"But there’s also a “death tax” as it were, where whenever your player dies, you have to pay your hospital bills of about 5% of your total cash, banked or otherwise. In a game where the fun is about rampaging around, attracting police and killing other players, the game is offering you a disincentive to play this way for fear of death and subsequent monetary penalties."
"You have to buy insurance, you have to pay deductibles if your car is wrecked, you have to buy or steal it back from an impound lot if you leave it somewhere or die in a police chase. In what way is any of this fun? If I die in a horrific car crash as the thrilling end to a five star police chase, what’s the harm in respawning me for free in the hospital with my car shiny and new in the parking lot? Why make me lose money, file an auto insurance claim or drag my car’s mangled corpse out of the impound?"
"It’s a game where the hardest single player mission is not robbing the federal reserve in broad daylight, it’s using a crane to load boxes onto a truck for twenty minutes."