b) Why wouldn't you lose money? You guys in America have to pay medical bills. So that's a sense of realism. Maybe it could be reduced, but personally i think it's good. It's an incentive not to be a moron and die so often.
"Sense of realism" in a game where some dude camps your spawn with a minigun and hijacks a military jet and bombs the city? Okay. Dying isn't so much the result of stupidity but asshole trolls or people that like to f*ck around jumping off sh*t or doing crazy stunts. You're penalized for that and it's annoying.
Well technically you can't "Bomb" the city, only launch rockets.