i think that right now you lose 5% of your total money when you lose to npc . Now with hoen coming i think its totally unfair for people who have farmed a lot of money as they can lose tons of money by simply losing 2-3 times( like if you have 5m you are gonna lose 250k , it feels like all the time and effort you spend for farm is lost for no reason) . so i think that the 5% money loss is good but there must be a maximum cap to how much money can someone lose.