At one time I owned nearly every dragon pet made by Winx Whiplash, beautiful L$400 creatures that captured my heart the first time I saw them. The collection took nearly two years to build and it disappeared over night. Along with an expensive and now unobtainable riding unicorn and dozens upon dozens of other critters, avatars, and other objects from a variety of folders. My Wryms dragons were copyable and I had the backups. Same with some other objects, but the dragons were gone. All the standard recovery methods failed and I was without my pets or the funds to replace them.
If this had been Real Life some homeowner's insurance would have covered the property loss and I'd have the cash to rebuild the herd. Sure, I'd have to prove the loss and there would be paperwork, but eventually my losses would be made whole. Why can't there be insurance inSL?
For one, it would require the cooperation of The Lab, and their acquisition of XStreet leads me to believe they'd rather have us spend money to replace assets than to use resources to recover or replace them. Actually, the arrangement could be a boon if there was a way to verify that an asset was no longer in the databases (think UUID) then a requested replacement could be sent via Xstreet in a manner much like the Midnight Mania prize redelivery system developed by Shep Korvin.
Secondly, planning for schemers and hackers would mean considerable investment in a secure system. I don't believe The Lab would be willing to work with someone to do this even if a turn-key solution was provided. Again, it would not be to the benefit of The Lab if they are not convinced it is a serious issue. And would you want to admit that your servers lose inventory?
Maybe The Lab could be convinced to let users set permissions on our folders and assets. The folders for Objects or Scripts, for example, can't be deleted. I would love to have the ability to set "can't delete" on folders I've created or even on individual items in a folder. It wouldn't be fool proof (there are too many talented fools) and it wouldn't prevent on-server losses, but it's an idea.
Or maybe The Lab could implement backups. Everything that I have with full C/M/T permissions is eventually copied to an Alt I created for storage. Same for things that I can transfer and but seldom use. This has helped on a few occasions, but won't solve the problem with losing No Trans assets. Here is a chance for The Lab to make some more money: Backups for Premium accounts. Just a thought. I have two premium accounts and my brother has a third. That is $216USD per year they get from our household. Some value-added consideration would be nice.