As to your suggestion in the post right above this one, level to 21, take all money out and throw it on a brahmin, i don't see why pk's need more incentive to pk when they can already get the items on the player and if you pk a bluesuit with no items on the person i don't really see why you deserve caps for doing that.
Sorry, didn't saw your answer.
Well, it's possible to solve, probably my next suggestion is a bit... harsh, but well..:
For example to reach X level, you need to have Y ammount of caps total on all your bank accounts (or on some one).
Just for example Y equals to X*2000, starting from X=5, so you can get 1st 5 levels without caps.
If you have leveled to 6th level, because you have 12000 caps in bank it's ok, but if you die being very very very bad person in some location and near that location (for example Vilified in some town +nearby squares in wasteland, or if you had < -1k rep or something), you'll lose some ammount of caps and that player who killed you will earn them to nearest bank if he has atleast one bank account.
If you have no 12000 caps anymore in your bank (for example you have only 11000), next time you die by this way you'll get a message that you're screwed and replicators won't replicate you because you're bad person and have no caps, you'll need a friend (or alt...) to transfer those caps to your bank account, and only then replication timer will start.
So now, if you're 21st level, you'll need to keep some caps in your bank account to be able to replicate if you're very bad person and died in thier territory by player.
Offtop to make suggestion flood in this topic!!
This feature will also make possible Bounty Hunting, because it's impossible to exploit and fully player based.
You don't like one guy. You're going to police chief and, if you have enough reputation in this town, giving him X caps for his head. For example you may put up to 5k caps on head. You put 5000 on his head and those caps disappeared from you. Now if someone will kill that guy, that guy will lose 5k caps from his bank account (if he has any) and his killer will get those caps.
Impossible to exploit, because:
1) If you ask your friend to put a bounty on your head and then kill you, you both will earn nothing, only lose, because he lost 5k caps on it, after killing you, you lost 5k caps and he earned 5k caps, total: -5k caps.
2) If someone put bounty on your head, and you saw that, you asking your friend to kill you, your friend will simply earn your 5k caps, like if you just gave them to him. But... it'll remove bounty on your head... so noone else will take it. That's the only problem, but anyway you'll need to always keep eye on those bounties to see if you're there and then ask your friend to kill you to remove it, also to make it annoying, dying from bounty could lose a bit more caps than earning his killer. For example you put 5k caps on his head, his friend killing him and earning only 4k caps and dead guy losing 6k caps.
*Bounty should be limited so rich players won't screw someone's character by putting million bounties on his head, so he won't replicate forever and have to ~deleteself. Prolly 5k will be max and with time gap like real life day or something, so if he died by bounty, next bounty can be set only in 24 hours.
All those bounties +all Vilified characters can be shown somewhere in public places and in police office.