QUOTE:
there could be some servers (not all) that you can make a character on and if he dies, he is gone and you lose all the money and stuff you had for him.
Sort of like the "Hardcore" character mode on Diablo II basically?
I like that fresh idea, and I appreciate what is trying to be accomplished with the point of this. People will be more cautious... they will actually fear death, as opposed to just running around and doing whatever the hell they want to in a digital world. I would submit that perhaps this is still too steep a price... and would suggest some other form of death penalty that is more forgiving... while at the same time sufficient to keep people afraid of dying. (and for death to actually suck, yet able to recover from)
just my two cents. But I do like your idea. It reminds me of something like Grand Theft Auto .. except MMO style.