Depends on how you look at it. It will be a game similar to gw2 where you only need to buy the game and you can access the online universe. They also will have a monthly cap on credit buying. To build a game requires a lot of money. If you see the financial standpoint why have investors back a game and demand timelines. Thus ruining the game aspects you wanted or launching early with an incomplete game. Crowd funding is allowing an individual to support the creation of the game and receive a ship at launch. Lifetime insurance will be fairly cheap in game as regular insurance. But if you support a game and spend say 1,250.00 on a ship towards crowdfunding not many will if your able to lose that ship immediately. All aspects of the creation process is limited to certain ships and help create the game. It will only give a slight head start to those who backed the game. That doesn't give you a pay to win. Since any person can buy insurance and the same ship. I could be the worst pilot in the game and no ship will help that. Hopefully not the case though.

[Linked Image from i.imgur.com]

KGB TS Server Administrator
KGB High Chancellor - Star Citizen