Think about it, you earn coins from killing. But if you die you don't only lose whatever you had on you, you lose coins as well. Then you have to pay to F Home afterwards? Thats 2 instances where coin was lost and 1 where items were lost all for just the CHANCE to earn some coin killing.
This is more or less what I was saying in game earlier. It's adding salt to the wound. You've already died, lost everything you owned, as well as a % of your money, now you have to pay to get back to your home.