Rockstar needs to either A) Keep the bank account of each character completely separate. You have $5million in Character A, and create a new Character in Slot 2? Guess what, all that money stays in place. No sharing between characters.
B)You pay the premium for blowing up PV's no matter what. No money? Maze Bank pays the bill, and you owe them. Any money earned goes right to them until your debt is paid. That's pretty much how the real world works. The only exception would be if said person has a bounty on them, or they intentionally ram their car into a parked Tank.
This makes no sense.
The only logical fix would be $200 flat rate for all cars. There should be no huge gap in cars insurance cost.
The fact that players can call up a new tank for $200 while pvs cost so much more makes no sense
Also.. Why should cars blow up when they run into tanks? This is another thing that needs a fix.
What part doesn't make sense? Having a flat $200 rate for all cars would make things even worse. Nobody will give a damn about the insurance bill, and blow up PV's left, and right. Higher value cars are gonna have a higher premium, just like in real life. You blow up 10 Adders, that's at least a $100K bill, plus the BS points. Imagine being $100K in debt. Quite a difference.
Cars blowing up running into Tanks has been in GTA since III. That's just how they are. People were complaining early on because they would intentionally ram their PV's into someone's tank, causing them to go to Bad Sport. Rockstar tweaked that to affect only parked Tanks. I agree that they should up the Pegasus cost, or implement a cool down timer. It costs 8K for a pretty useless Airstrike, 5K to call Mercenaries, yet only a measly $200 to call up a Tank repeatedly?