I never assumed items I paid for would be given to me infinitely if I lose them in the verse, tbh. Just like I don't expect the buttload of money I've spent on ships to ever be worth their world value in-game frankly. People who spend $1000 on a ship, thinking it's going to take hundreds if not a thousand hours of grind to earn it in game are going to be extremely disappointed when this is all said and done.
Only thing I really expect to keep are the things I paid insurance for and cosmetics. It's all a pledge, not a lifetime guarantee.