The Insurance Racket

Is is me, or is the Insurance bracket of Eve totally screwed up.
For a percentage of the cost of your ship per month, you can insure the ship.
Sure, fine, I get that.
But the only people who these days insure their ships are the ones who know they will be getting blown up in the nearby future, most of the time even the same day, so either they are PVP or gankers.
So the insurance people are getting only a fraction of the cost by income while they to pay for new ships over and over again!
That's impossible!
There is no way they can stay in business!

There is something really screwy about that.
It's only logical that if I buy insurance and I get shot up, I'd have to pay more insurance the next time as I am a risk factor.

Better yet, when you got shot up by Concord, you sure did something wrong, so no payout!
It's only logical!
Insurance doesn't make sense!

Eve that is

I've been taking a long hard look at the calander and clock of Eve and wondered why it bothered me so much.

It's been there all this time, quietly in the background, just ticking away,

seconds to seconds,

minutes to minutes,

minutes to hours,

hours to days,

days to months,

months to years...

And then I got it.

Why the hell are we still handing on to a time-cycle and calander of a time long past, from a world that was, in a distant time and a far away galaxy...

Wouldn't it be a lot easier to devide seconds to 100 in stead of 60, minutes to 100 in stead of 60, hours to 100 instead of 24, days into 100 in stead of 30, months to 10 in stead of 12...

It would make a whole lot more sense than keeping into step with a time and place long gone by.