There is no monthly subscription for this game. Everything will be attainable using ingame credits, we just don't know how much credits will things cost and what credit gain rate will be.
I repeat, this will be B2P game with possible cosmetic skins shop, like in League of Legends.
People who backed up the project got some things before others but this will be skill based game so it probably won't matter much.
Objectives will be plenty, it's not about removing fellow player from the game by destroying all of his gear... (this isn't EVE).
And if he has insurance for free and you don't, that doesn't mean a thing because he will lose when you trash his ship, it won't magically reset in a second, letting him to keep fighting you.
They will consider how everything affects balance. If something brakes it, some backers will have to live without it and I bet that 99% of people are aware of that fact.
@chadz: I mean it about cRPG, I don't have more than half an hour a day to play it and playing for that long gives me virtually nothing in return. You're busy man yourself, you should understand this better than me. Maybe if you finish Stronghold, things might change