I have, there are significant benefits to the game's long term health. If players are told "talk to me & work out coming in with a new PC next time you guys come back to town or similar & you can come back with the same level pc but there will be an exp penalty* to the new PC if make me kill you so you can do it & expect to hop in tight away". No that's not penalizing a player who happens to die, there's a clear & generally obvious difference between bob unexpectedly getting ganked through bad luck or whatever vrs bob seeking out a swordbush in order to recklessly belly flop onto itDo you do this? I never once seem someone do this in person, online, or even bring it up in discussions.
edit: * Like half. If you look at the exp table on PHB15 each level takes roughly double what the one before it took. That results in generally dropping down to a point somewhere into the previous level with the point being somewhat dependent on where the now dead PC was in their pre-death level
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