If you get shot down without insurance then I suppose it's like real life. You get nothing in return, except you don't get arrested for flying without insurance and sent to jail. At that point you'd have to be a crew member on another NNG players ship and earn money via exploration, trade, mining, piracy, etc. so you could buy your own ship again. It's a simulator. The damage and punishment for being wreckless or fucking up will be severe. But the reward for coordination, smarts and strategy will be great.