Lots of people apparently have the mentality of "Oh ppl griefing me makes this game exciting." and don't really understand that not everyone has the same likes and dislikes as you.
The game will never be like you guys want since this is NOT GTA IV because that game is an inferior game compared to GTAO though most of you want it to be an exact clone of GTA IV nor will it be perfectly a passive game where no one griefs the other player, it'll always be until Rockstar does something about it a rage fest inbetween both sides.
Griefers gonna whine that Rockstar punishes them for playing like the game was designed which is entirely wrong because IF Rockstar wanted you guys to grief 24/7 the bs rating wouldn't have been added nor would insurance costs for destroyed PVs so clearly Rockstar DID NOT intend for you guys to only play free roam and grief other players even if you personally think it "makes the game exciting and enjoyable for me." (I mean the overwhelming amount of scream rage from prepubescent tankers forced Rockstar to raise the amount of PVs destroyed in order to be bad sported and as you can see it takes a lot to get Rockstar to do something specific and the same people now make threads trying to irritate the normal players with titles like "Does Bad sport even exist anymore?")
The whole mentality of its GTA so it means outright chaos and no rules no longer applies obviously and those people need to get with the times, its getting to the point where they are like the extremely old dude who talk of the good old days which annoys the more up to date people because it doesn't help at all and only wastes time because progress will never go backwards back to the time they want, its good to have fond memories its bad to want to relive them 24/7 like the griefers want when time has moved on and its no longer possible and you're pulling a current thing down in your attempt to do it possibly ruining it for others.
Non-griefers gonna understandably complain that they have to pay for their own insurance whenever a griefer uses a tank (Its a glitch) and whine in general about griefers, just move on it gets so childish seeing the griefer supporters call those who don't wanna be griefed cowards who should play some grade school games like a game based on sesame street..the fact griefer supporters are always thinking about Sesame street and other grade school games are a pretty big sign of their intelligence level tbh.
1.) Why do people have to be classified as griefers and non-griefers? Why not proactive and passive players? Some players are proactive in seeking out conflict, others are passive and will not involve themselves in conflict unless it finds them. I'm proactive. Why? Because I can only rob so many stores or blast brainless AI and get drugs for Gerald. I rigged your PV with explosives and blew you up, I'd hardly characterize that as griefing. I spawn killed you with a tank by the swamp near the military base 40+ times because you we're singing Miley Cyrus' Wrecking ball...although some would say justified, that could classify as griefing.
2.) I think about Sesame Street because Elmo is a gangster. No seriously, I think you are missing the point. Vehicles aside, we are armed with M60'S, SAW's, RPG's, .50 caliber sniper rifles, C4, grenades, hell even gasoline. To get upset that you died (which also costs you money no?) or that your stuff got blown up in a public session is rather silly. I'd say its like hopping into a vehicle in Battlefield and complaining someone rained down hell on you because, hey jack, I just wanted to cruise around.
3.) The tank thing is not a glitch. Why is it a glitch? If the tank is moving and blows up a car, the tank driver pays. This wasn't always the case but was changed by R* since people we're ramming their cars into the tanks. If R* purposely programmed this, I don't see how it fits the definition of a glitch...again bad classification just like the term griefer on this forum. If they make tank drivers pay again, people will begin ramming their cars into tanks again, which is unfair to the tank driver as you can't exactly dodge cars very well. It has been said many times tanks can be avoided easily and dealt with in a myriad of ways.
4.) We've strayed a bit from what the OP's main gripe was, which was constantly footing the bill. I think the putting money on a 2nd character thing is cheap as the system stands. I personally think no one should be required to foot the insurance bill for anyone's car. If I bombed your car in real life in your driveway (I do not condone of this or would ever do this, so go away NSA and FBI) in the middle of the night, would I magically get an insurance bill from state farm? Sure the authorities would investigate, but if they we're able to track me, I'd probably have bigger problems. I guess I wouldn't respawn either if I got shot...or would I? Ah anyways its an interesting concept R* has tried to do with insurance and bad sport but needs to be refined.
Me, I'll keep treating this as a shooter until more strategic content is added. I realize that is not how everyone views the game, but there is always that change session option. Hell, I use change session if I run around trying to cause chaos and everyone doesn't seem to retaliate or hides in their apartment. I don't come on here complaining why doesn't everyone realize I don't want to just ride bicycles and pimp out mananas. I just change session. If everyone followed the rule of I don't eff with other players until they eff with me, nothing would ever happen on the streets (sesame streets!). Someone has to fire that first shot or lob that first sticky.
FTR I'm more of an oscar the grouch kind of guy.