There is PVE Tarkov now. You have the option to play with other people in your team. But only if you want to. Don’t know what they ask for it atm.
PvE Tarkov doesn’t allow you to modify server side things, like insurance return times and whatnot.
Haha it’s a game called Escape from Tarkov.
It’s a hardcore extraction shooter. Whatever you bring in to a raid will be lost when you die. If you manage to extract, you can keep whatever loot you found - whether it spawned in the world or you took it from a dead player.
The gear you bring in can be “insured” by vendors. Usually it’s a 24 hour real-world timer if you die with that gear. Even then, the gear that you insure has another filter before it gets returned: Other players and scavengers can take it.
The “lore” of the game explains the insurance return as a deal between the vendors and the scavengers in the area.