Add a way to purchase insurance after the fact.
I was excited about the new changes to Icarus and decided to join a random dedicated server. After about 30 minutes or so, I was disconnected and haven't been able to find the server to join it since. I'm unable to locate it from the dedicated server, and I can't load it from the load section. I'd like to have a way to get my stuff back as this can't be working as designed... and if so, I can't imagine this to be an intended consequence. Regardless, if there was a way to pay for insurance after the fact, even if at a premium, that would be better than losing all your stuff because someone randomly turned off their server and didn't start it back up.
I'd tick this as bug and take the loss. a part of the risk you take playing online.