Regarding the Teamspeak - I will register you today sometime.
Regarding the problem - If you are in USA and you're injured or dying, and you don't have some insurance from somewhere, you have to pay for your treatment. If you die, I believe you still pay (or your family does). Correct me if I'm wrong, but this seems more like real life.
Talking about the bug though, I don't know how it can be fixed,..