Before you say it, no, I don't think it should be sunshine and rainbows after losing your fleet. I just want to point out some problems I have with it.
Your escape pod saves you and you appear at a random inhabited world in the sector. If that's the case, how in the world do you lose so much money? You buy 2 ships worth maybe 30k total and end up losing 400k? How does that make sense? Also why not just let us choose what ships to buy when we get there, instead of instantly selling the trash we are forced to get. If we were robbed by our destroyers, shouldn't they have captured us? Or did they pull of a quick hack of our bank account while also obliterating our fleet? It just doesn't make any sense how we lose so much. We already have to rebuild our fleet; it just adds insult to injury. In games like 'Bannerlord' you can choose to buy an easy way out or wait until you escape or are freed. In this, you just lose everything you have regardless. I'm tired of buying ships and then immediately get killed, losing even more money. It is a vicious cycle that a lot of times requires luck to get out of. Oh sorry, you spawned next to a luddic path world or a 9th battlegroup death-fleet, guess you should either let yourself get killed, spend a storypoint, or buy every ship on the market and pray you can fight them. I wish there was at least some point to keep going, but it effectively begs you to waste resources or reload your save. It is so frustrating. I'm tired of bleeding storypoints and cash to get out of silly situations.
Also, it is annoying that retreating from combat turns off your shields. That cost me my flagship, because "oh, we are almost out, guess we don't need these silly shields anymore!"
That's all.