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.