scroll down

The Phantom Pain FOB Insurance is an Odd Microtransaction

Konami recently updated Metal Gear Solid 5 The Phantom Pain with a new patch. Among numerous other things, the patch brought us a new FOB Insurance feature which at least some of the fans have found quite odd.

What it does is, that in return of real money it allows you to retain any loot that is stolen from your Forward Operations Base while giving the attacker an identical amount.

Your FOBs are always at risk of coming under attack. Now, you can rest easy with FOB insurance (paid service). If you sign up for insurance, then during the insurance period you will be compensated for any materials and staff lost due to rival infiltrations.

The Phantom Pain publisher also listed down some of the key aspects of the FOB Insurance

  • Staff/materials stolen by the rival will in fact remain on your base, and an identical amount of staff/materials will be handed over to the rival instead.
  • MB Coins are purchased with real money, but free MB Coins are also distributed periodically as login bonuses, etc.
  • The following are not covered by FOB insurance: staff/items that are not fully your property, such as abducted staff being held in your Brig (FOB); wounded staff (staff lost due to death or extraction will be compensated); staff used by you to deploy in defense of the FOB (neither death nor extraction will be compensated); nuclear weapons.

You can purchase the insurance in MGS 5 The Phantom Pain with MB Coins, which in turn can be purchased with real money.

What makes is a pretty odd microtransaction is the fact that by giving the same amount of items to the attacker and to the base owner as well might shake up the whole economy, and turn the FOB event missions nearly pointless. Not just that, it might tug at the authenticity of the multiplayer experience too.

What do you think?