I'm sorry but I still can't see the need for it to do something more than making 90% of healing not work on you. Why are you trying to add a damage effect to a drain that doesn't physically hurt you? It JUST effects your ability to heal. Not healing doesn't equal damaging you.
Then we may need to agree to disagree. My main point - and one that everyone else is agreeing with - is this:
I think it's silly to have an effect that is supposed to be negative not do anything. A healing surge isn't like a video game power pack. It represents one's stamina and reserve will to persevere against the odds; having one's life force drained, per se (which is exactly what it is and what it's replacing from 3.x).
Saying things about what the Dm is throwing doesn't change what I think is a bad ruling. So the Dm just should never use healing surge draining monsters because you wish to make them super deadly?
No, I think you misunderstand me. I said "keeps throwing..." which means "constantly doing so." When 2% of all monsters in the MM have healing surge draining abilities and you keep running into them, that's a case of a DM being a sadist (or utterly unimaginative, which is far worse in a roleplaying game). Also, they're not "super deadly" simply because they do damage equal to one's level. Technically, that's less powerful than removing a healing surge as a healing surge represents one's ability to regain 1/4 health (plus whatever bonuses apply). One is direct damage and the other is indirect. If, after the fight, a PC with 15/20 hp can't regain health lost because surges have been drained, they've essentially taken 5 damage.
My point is: the power, if used on someone with no healing surges to drain, should still do something. I totally agree with you that they're already in a bad way if the party has no healing surges left but I don't think that's any reason to remove part of a monster's ability. That's also why - way way up in this conversation - I agreed with your idea of a -1 cumulative penalty to represent further exhaustion, etc.
Something needs to fill the void. If damage is seen as too excessive, then apply a penalty to rolls, as you yourself suggested.