I understand where you're coming from though. The guys I play with, whenever we're all in a session together, tend to do really stupid stuff because that's what the game lets us do. Really stupid stuff.
I know some of the guys are trying to save up money for purchases, but that goes out the window as soon as we decide to start to go crazy.
Not sure if there's a fix here, I agree in a lot of ways with you. I've had to tell myself numerous times when someone tries to get in a back and forth killing spree with me, that it's just not worth it.
I guess be thankful Rockstar isn't doing what they originally planned when you die, dropping any cash you had on you at the time instead of just a hundred bucks. People would be paranoid as all get out