And this is a great point.
I have never run a thief character. I have played since Beta, and just am not motivated to be a PK, Anti-PK, Thief...those things just didn't appeal to me at all.
Not to say there's anything wrong with that, if that is a person's cup of tea, which is what makes this such a great game...anyone can do almost whatever they want.
I enjoy PvP of course. I suck at it, and I don't mind that part. It is very exciting, and I certainly do not avoid it because it isn't fun, or I am scared, or any of that...it just doesn't suit me when I don't have a choice in the matter. Some folks love that part of early UO. I did not. Many others didn't either.
Then came Trammel. A verrrrrry poorly done "Choice" for folks like me, but a choice nonetheless. It kept my wife and me playing when we were ready to quit the game.
However...I believe that Fel should exist for the people that do enjoy the play style. I do not believe Power Scrolls should be brought to Tram.
I sure don't believe that anyone should have to play this game the way
I enjoy it, because
I enjoy it so much, though. Just because I enjoy a certain play style, all the people I choose to play with, so every one else should too, or they simply don't know what they're missing.
Which is what posts like the OP's bring to the table.
"You NEED to do things this way, because it is so fun...for me."
Insurance and Imbued items would have to be benefits to PvP and not detriments.
The only detriment to anyone in the scenario is to the people who enjoy killing others and looting awesome items from them. And maybe selling them back to the person...
Those folks lose when people are allowed to insure their imbued (or any other insurable) items. Since that demographic (the folks that enjoy insuring imbued items) will likely be a majority of the player base, from a logical deduction point of view, then folks that "enjoy" having nice equipment they can insure and not lose will "enjoy" the game more. And that, as Llewen stated, is very likely to help more people enjoy the game their way, especially from a PvP point of view.
And as you (Aurelius) so aptly stated, that is an often overlooked portion of what keeps people playing UO.
I certainly only play for the play style I enjoy. Everyone tends to do the same.
If that play style involved causing others grief by killing other players and taking their highly prized items, then I guess I would take up the banner in the cause ohmyGED so loudly claims to be a DAMN good idea. Not that there's anything wrong with that if a person chooses the play style of murderer or rogue for themselves.
I do not, however, see how any of those actions benefits but one person (or perhaps a guild of like minded murderers or thieves) and/or how anything like this would benefit UO overall, so I find the idea unappealing, and would vote against it.
And I agree that anyone that enjoys the adrenaline rush of potentially losing items, and wants that thrill, they have the Insurance Context menu.
That menu could even allow a graduated rise to "Full Risk Enjoyment", and I say for those that seek it, it is also part of our Sand Box Game!
ohmyGED is obviously wearing the "I Know What Fun Is - Just Drink My Kool Aid" Blinders, and it is likely nothing will change in that regard. I am pretty certain that he/she believes that Thieving somehow benefits the Greater Good of the game as well. Such is life.
But oh well...I applaud your point, albeit absolutely missed based on the response you just got.
But Applause. Nonetheless.