Had an idea for how cap replacement could work.
Think of it as a internal "noobship" program or insurance if you will.
Firstly, serious cap replacement is primarily needed for larger campaigns, not so much for the random tower killing or hot drop. This is the important basis of it all that we need to not only be able to replace ships but we need to do that on a "campaign basis".
What I mean by that is that people loose multiple ships over a fairly short period of time. So having to jump all around eve or take 2 weeks to build it doesn't cut it.
This is of course only applicable when we have a large enough income but never hurts to be prepared. (I've set this at 3bn for now)
So this is how I envision it:
Out of the 3 bn/month profit we make from moons we dedicate the major part for capitals. I think 2bn/month should suffice and give us more than enough isk for normal pvp replacement as well.
When a pilot becomes cap capable he should buy a cap at full price (yes market price) from the corp. This is a "buy in" to the program and should ensure more loyalty as well.
The 2bn set aside for capitals are constantly used to build capitals. Basically we store capitals instead of isk. It has a few advantages, capitals are easier to "hide" (containers etc which not everyone will have access to) and it means we have ships available when they are needed.
When the pilot goes out and is blown up (on sanctioned ops only perhaps??) he gets back to wherever we have storage and is contracted a new capital free of charge.
Insurance etc is up to the pilot but he will have to outfit the ship himself so I suspect it will cover that cost.
Basically it will work like a noobship replacement thing

(we can even throw in the gift of 1 trit

)
Given that we won't be losing or using many capitals to start with I suspect we would end up with a decent stockpile for the first campaign.
As I said the big thing here in my opinion is that this would ensure we always (probably/hopefully) have capitals when we need and want them.
Another bonus is that it means we will have capitals to build for people that enjoy that sort of thing (me included) without having to bother with the markets for sales. This is of course not a major thing but well, it is a bonus.
Hope this idea isn't that crazy? Or is it to generous?