In my opinion it's your own fault if you die and lose money. (and experience)
So if you put all your money on a bank account and you don't have anything and you die you saved all the money but then they can actually put any item you have in the void so to speak. Sure, everyone dies at least once, but you also have to avoid dying a bit, so you just have to save your money.
I also see no way to make money easier, you can of course work together or each part, but you can also agree, I actually agree with this. It should be true when you die that you lose money, but then I think there should be a limit to how much money you should give, for example you should give 75% and 25% you should keep. And the same applies to your friends, so you can still save and give your money.