this would remove a large portion of the fun from the game in my opinion. i don't think many people would want to make this game turn into a chore.
EVE online is a perfect example. In EVE, unless your in a huge corp that will refund you, the risk of going out into space is far greater than the reward. having to wait for a large enough group to go mine/trade for enough money to pay for your deaths while mining/trading.
too much like work, and we all know that isn't fun.