I am reading carefully through your posts guys and also trying to listen to particular situations on servers...
Let me try to explain my reasons why the gameplay rules are set like this, and also try to think aloud why they maybe wouldn't work too well being changed like most of you want:
Main idea:
conceptual language: to add the real life respect when driving a car (or fear if you wish) to the game, which in return brings the adrenaline you get when driving €100.000 Porsche at 200km/h on the tight countryside road or through the night city.
in-game language: to reward players who never crash their car nor anyone else's car, but still can drive fast
The very 1st (naive) idea I've got was to read the damage level of player's car and make him pay for repairs. That's not possible to implement because there is no such information available within InSim packets.
Shift+S, Spectate and also leaving the server were not too realistic - cars mysteriously disappearing from the road are very arcadish indeed. Same for the most arcadish crap in this game - the RESET button. To penalize crashers, and also to make people nicely drive inside the garage to leave the track, we have introduced the pitting fine. RESET we hoped to be managed by the new dedicated server option "/canreset no" which is already in setup.cfg but unfortunately doesn't do anything yet. To futher reduce the reckless driving I also placed few restriced areas around the track which automatically put you in spec when you drive over them. (All of them are placed behind barriers and will get fine tuned to avoid capturing even light crashes when player is lagged)
This system brought two problems:
- players get fined even when trying to properly pit from inside the garage:
This is mostly caused by player's lag, especially when combined with "can't pit, player is connecting" when your car is slowly rolling outside the garage without you noticing and when you finally pit, you were already outside the detected area.
If you've lost some cars like this, I would suggest to park in the middle of big garage at both ends of a working pitlane (those work as well and are easily accessible), your gear on "N" and your handbreak on, wait few seconds and press Shift+S when you are sure that your car is standing still.
- players get fined when losing their connection to the server:
We never wanted to punish you for your poor connection guys! I just wanted to catch cheaters who want to avoid paying fines (or escape from the police chase for example) by exiting the game with Alt+F4. Unfortunately InSim packets don't tell any difference between the "Disconnected" and "Lost Connection". If we turn this off, what will stop wreckers and cheaters from constantly slapping the door at the server? (leaving and rejoining again and again)
The fine how it works now:
your current car is sold for a 50% of its price which results in you losing that car but getting half of the money back on your account.
What you are suggesting:
you don't lose your car, you just pay 50% of its full price as the fine
It actually worked like that before we went public. Why we changed? Chris already explained above - if you don't have enough money, you won't sell your last car, i know you well!
With old rule we also had the bankruptcy feature - if you don't have enough money, you get 24h ban and then you can start over (your account gets reset). We removed the automatic banning because it goes to Scavier and they might suspend some licences after several bans/months.
Now we are seriously considering to get it back in a next version.