装备保险：死亡掉落的保险赔付

local function onDrop(actor, item)
    dropToGround(actor, item)       -- 无保险，掉落即损失
end

local COMP = 5000
local function onDrop(actor, item)
    if getplayvar(actor, "INSURED") == 1 then
        setplayvar(actor, "INSURED", 0)   -- 保险消耗一次
        giveitem(actor, "金币", COMP, 0, "保险赔付")
        sendmsg(actor, 1, "保险生效，装备保留改赔金币")
        return
    end
    dropToGround(actor, item)
end