you just want to be able to use all the towns and get easy kills without consequences, if this continues this game will not grow past your type of player and you will be stuck spawn killing yourselves.
1) This is wasteland, not sims
2) Fonline was even more hardcore than it is
3) If you have problem with PK at this stage of era, i can tell you, that Fonline is not for you. All organized PvP gangs (PK or anti PK) are not active. So you can go to cities with more than ever possibility to survive.
4) People should think, not rely on some mechanism that will helps only one sort of people.
a) use town preview
b) never use main entrance even if it looks safe (majority of PK wait there)
c) PKs are mostly active in groups, if you see one, anticipate at least another one, if you see one in CA, anticipade whole group
d) PKs concentrate in locations/cities or city locations, where HQ minerals, or goods stuff traders/drug dealers are => they need this .. if you dont need anything of this to your roleplay, you can safely play this game with limited possibility of being killed by PK (NCR, HUB, Junktown, San Fran,..) = mostly safe cities X New Reno = legitime PvP arena, dont forget this
e) arm yourself: use the best possible equip if you are even in safe locations and on world map, but if you are not lvl 21, do opposite, many of PKs will not kill you, if you are in bluesuit, but you have to be smart and quick
f) group your self with another players if you want to get resources, drugs, at least temporary for that action
g) make frriends with anti PK behaviour players
h) after TC battles, there is mostly clean "window" of non PK activity, because of drug after effects => but not promptly (post battle sneakers looting activity) .. cca 5 minutes after end, but only if anti PK faction won
i) use brain, you will 100 percently find another way how to win over PK without single shot
-------------------------> the wasteland is core enviroment and need to think makes this game very entertaining
5) you suggest karma system that is obsolete.
a) you use terms of PK and non PK, but life in wasteland is more variable: we have friends, we have enemies and we are not PK, we are anti PK gang.. but your karma syste will eliminate this
b) your karma system will help only you (or your sort of players), there are others. Even if you are not PK, you have reason to kill somebody, even he have good karma: he is traitor from your base and he stole your stuff, he is member of pk gang (i.e. trader), but he has good karma, he killed you before and you want revenge,.....
6) Your karma system integration would CURE ONLY SYPMTOMS, not heal the problem of PK. People PK too much (not now of course, server is dead), because they dont have any other opportunities to do. There is not PvE, there is not scavenging, there are not quests you can do after 2 days of adventure.