" insurance already takes care of almost everything we can't ask for more."
Well, while insurance certainly is a helper, it is not the only 1 issue that many players consider....
There is another factor which many players see as MUCH valuable to them.... their "time"....
If, working a spawn, for example, and spending a considerable time in doing that, they are then deprived of the rewards of that invested time by some raiders.... well.... while insurance might be of help in "toning down" the losses, the time spent working that spawn still has gone away, all done for NOTHING.....
Imagine if someone worked like an entire month of their life time working up some spawns, and systematically, 100% of the time they were to be deprived of the results of that invested month of their life time, wouldn't this player, all of a sudden result in their life having shortened of 1 month?
Time, to many, is the most valuable commodity there may be, being taken it away by others does not amuse them...
At least, that is how I see it.