About the idea itself:
This system was implemented so that people roleplay better during a life-threatening situation.
We can implement a credit card system usable in legal purchases, if that would prevent players to carry large amounts of cash.
But otherwise,
To prevent losing cash in genuinely undeserved cases, like hacker/script bug/lightening strike, you can simply /q and death evade on the same grounds that you can shoot back at a DMer.
Though consider that as a last resort. (Admins might need to discuss this more before making it a official blabla)
About the "Why /kill and spawn as cop".
We can implement a system of commands and pickups for selecting duties...
But then we might have to get rid of the colored blips for different duties. Because blip colors cant be changed by scripts (I could be wrong). That means cops/medics/civilians will all look white on the radar/F5.
I'm sure we love our reserved blip colors more than we hate spawn screens
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