The Pawn Shop should return every item that was not looted instead of whatever it's doing right now

There’s absolutely no sense in making the insurance system return a random item from your entire loadout. Just look at how Escape From Tarkov does its insurance system. Every item that is not looted gets returned. That would also help alleviate the many instances where people die to the many bugs currently in the game. For instance, I just got stuck in the wall in the Crypt and lost my entire purple set and the goblin only returned ONE ITEM (a ring). 10/10 game you guys.