Just submitted this as a "Gameplay Issue" to Rockstar Support, I doubt it will make even the slightest impact, but it's aggravating enough that I've quit playing in populated lobbies altogether until I have enough money to buy at least a nice apartment and new car, and even though I have the money I need now, I can't do that with the apartments and cars disappearing randomly so I guess I'm not playing Free Roam for a while. I was stuck at $40k all day yesterday until I finally quit trying to play with randoms.
"To whom it may concern,
I don't normally submit issues or complaints to a game developer. But this, being one of my favourite franchises of all time, and the scope of what you are trying to achieve with GTA Online leads me to submit this issue because frankly it has completely ruined the element of spontaneity that is so unique to the GTA experience - and that is the hospital bills.
I'm sorry, but who thought it was a good idea to charge money during a deathmatch? Who thought it was a good idea to charge in-game money in free roam, where you're lucky to survive 5 minutes between griefers, children and the bounty on your head? Do you know what the best part about GTA IV online was? I'll tell you, it was doing completely impromptu and interesting things with your friends, without fear that you might lose all your cash in the process of "experimenting" with the game mechanics.
Now, granted, GTA IV money was worthless, but the point remains that you've managed to simultaneously suck all the fun out of free roam and break the game to the point where it is a serious GRIND to accrue what amounts to a petty sum in the GTA universe (I mean, $40-$50,000), only to lose a large chunk of it the moment you step out of the confines of a closed or solo lobby. That's not fun, nor is it the GTA I love.
I know you will be working in the coming weeks to aggressively tweak the game play, so please, give some actual thought to where hospital bills might be appropriate or not. When dying on a mission? Sure, that's fair. But in free roam? Please god, no. I would like to actually have fun without worrying that I'll be broke for the hundredth time 10 seconds from now. Charging money for deaths in a DEATHMATCH is borderline cruel.
Please, Rockstar, give your head a shake. I understand all the teething issues, honestly, I'm okay waiting those out. Missing apartments, cars, characters, inability to get past the tutorial, inability to connect, random disconnects, etc. etc. are all serious problems that need to be addressed ASAP, I agree. However, please realize that the hospital bills system as it currently stands is utterly broken and turns the entire online experience into one long and tedious grind to make any sort of money at all.
Thank you for your time,"