I kind of doubt LTI will be such a big deal when game is up and running
This is true. There was that whole pay to win argument a while back. They did say that the LTI thing would be a very minor thing and that the insurance payments would be very minimal. However, I think this is only going to be the case at the beginning.
Just look at the usual economy issue that most MMO's have. They have currency creep. It exists in almost every game. To compensate, they typically need to create money sinks. There are the usual things with repairs, consumables, and vanity items. With SC, you add insurance to that list. When currency creep happens, all of these will go up. Ammo will become more expensive. Repairs will cost more. Vanity items will increase in cost and right along with all of them, insurance.
So what starts out as a minor thing, could turn out to be a pretty big deal over time. Especially for those with large fleets. This isn't even taking into account other possible avenues. What if CIG decides to create space-SR22 insurance premiums for excessively bad driving because people decided to use auroras as zombie waves of player guided missiles and swarm down a bengal...