Avv ever consider the problem might be that you are the one who is wrong being afraid to lose gear?
Then why did HH chars stop coming after powerfist was needed?
Gear exists to be used and lost.
So players should use it, not come in bluesuit. If there was a price over bluesuit's death, players would either protect it with gear or not come at all.
This isn't a post apoc survival game
Saying it isn't doesn't overrule any points I've made.
Getting visited by the Grim Reaper is a sufficient price. Making players grind to be able to leave respawn just adds insult to injury.
It's not the caps it's the time.
Shoveling 10 shits every time you die is going to get tedious sooner or even sooner.
You have to grind anyway if you die because you lose gear. If you were in bluesuit - why were you? Why would you go in a location where you might encounter hostile players without gear to defend yourself?
Besides if you have a bank account, it'd be just one 1-2 lines in a dialog window instead of shit shoveling.