Bug/server issue: I had just extracted from an instance, and I got the "waiting on servers" message like normal but this time it took a lot longer than normal and it eventually said "cannot connect to server" and proceeded to put me back to my shelter with only my original loadout (ie without any of the loot i collected)
This type of connection issue is bound to happen, it's the nature of games like this. I do think that it should try more than once to connect to the server and not just give up after one failed connection. Ideally it should give you a "connection failed, do you want to try again?" kind of thing so if you got a care package or something really good, you can sit there and keep retrying if you want, but if you don't care you can just go back to your shelter.