The Lamellar Vests alone are 9.5 weight. Adding anymore armor weight on top of that will just increase the wpf penalty further. Granted agility builds don't get many kills, but they're good for distracting enemies while clanmembers pike them from the side. You're an attractive target in light armor, and people will foolishly risk their lives to attack you.
Personally, I agree completely with the suggestion mentioned in Kafein's post. Just made a different bank for Strategus. Hell, even make a different name for the currency so people don't associate them. Not only does it solve the problem, it's ridiculously easy to code.
That example was used because it's the default weaboo set. You could easily go with the Studded Leather Coat to maximize your armor:weight ratio, cut weight by 4.5, and only cut the total cost by a mere 700 gold. If you complain about that armor, then you might as well just run around naked and if you're doing that, then you don't deserve to gain any benefits from this to begin with.
I'm assuming that only players wearing armor would have access to that. and what is the point where you start making insurance money? and if you don't have armor, and just a weapon, it would reward you for not having one... a naked flamberge guy getting repair deductibles... eww...
i DO like the idea, however. it just needs to only work for people wearing armor with a certain price bracket, say 10k Armor (weapon not included). maybe, even price brackets; for 45k plate users, they can make 100 gold insurance instead of 50.
other than that, sounds good.
It's passive, with each tic of xp/gold one would also be getting a tic of insurance gold for that round. If the insurance, or buffer gold was not used entirely at the end of that round, the rest would be discarded. Meaning it doesn't carry over to the next round or get added to your actual crpg gold.
Only having one item equipped means you're losing about 3/4 of the effectiveness of the insurance. Which means from insurance at 50g per tic, your only saving your bank account approximately 12 gold per tic. This is because you only have one item to break. If that item isn't breaking every round, then the insurance isn't doing a single thing for you. So in fact, using only one weapon as per your example does not net much of any benefits at all.
And to the last two sentences: You've missed the point of this entirely it, as well as how this would function. What you're proposing is rather terrible and game breaking.
