think about hth trolls or suicde ncr citizens. crits get nerfed - no problem, you can take brd instead and much more.-5% is just an example, it can be -15% this is something what can be discussed.
how about -0%?
The goal is good but method is wrong. Better would be that if you kill someone, he has to pay 100 caps to the killer from his bank account. If he doesn't have the money, he has to shovel shit in the spawn until he can pay. No more trolls.