To the Siege people. Please stop posting about things that you don't understand. We know how you feel about insurance/items. Don't be obtuse. We get it.
What does us playing siege have to do with anything? The item was lost, anyone can say it was insured. How do we really know? Is there a screen shot at the raid, of the paperdoll, with the item highlighted, and insured?
Raiders lost it, plain and simple. Big deal. Look at the economies on prodo shards. Spend some of the gold cheques you have locked down in your homes. Its only pixels.
My opinion is keep it, or sell it back for its face value if you wont use it.
And those who speak of honor to give it back? Where on earth do you get this? If the item was scammed by player X. And player X or player X's Guild returns it, thats honor. Not ganking 8v1, and allowing even number fights. Thats honor. Not killing someone when they lose conn in a duel. Thats honor. But if someone forgets to insure an item, or claims it was insured, thats thier issue. Learn from your mistakes.
Like stated above. Was the raid for fun? Has the raiding guild returned all items they ever got from a raid to the raided in the past? I highly doubt it. What if there was a drop on someone from the champ spawn. A replica? After raiding would that have been returned? I doubt it. So how is this any different?
If the player had been killed by an titan, and not able to recover the bones in time, would the player be paging a GM to try and get the item back, as the evil titan ruined thier game? We all know how that would go.
Use it, or sell it back at face value, or some sort of deal (not too big). Circulate that gold thats on your shard, dont let it collect dust on display in a house.
And IMO siege bless (1 item) is the same as insurance. We all understand it. Whether or not we agree with it, is a mute point. opinions were asked, and opinions were given. Also as stated, a lot of siege players also play a prodo shard. We understand. We just have accepted the fact its only pixels, and that when they close the doors to UO, we cant take it with us.