How Death could be improved
One thing Funcom did improve on over previous games is the way they handled death. Save frequently and you don't stand a whole lot to lose, and regardless of saving, you never run the risk of losing a level. Though it works out fairly well, penalties upon death could be handled better, heres what I suggest:
Lose 50-80% of xp Since Last Save: Players should never, ever feel like they've played a game for hours or more just to lose it all. Unfortunately, this is the case quite often in Rubi-Ka. If you're grouped up and not making much money, all you've got to show for it is your xp gain. Don't take it all away upon death, just a large portion of it.
Increase Skill Reduction Timer by 3 to 20 Times: I do think penalty upon death should be fairly harsh, and really encourage people to find the best equipment/programs/implants for their level to make their character effective. Increasing the timer would in part make up for not losing 100% xp. Make people "sit out" a spell after death, they've just gone through a tramatic situation. Currently the skill loss means almost nothing, as you can be fully recovered by the time you make it back to your group.
Can't a Doc do something?
If a group member is badly wounded with zero hps, why wouldnt a Doctor be able to do anything? Maybe, a Doc can bring along a portable clinic or 1st-Aid tent or something to maybe lessen the exp loss or treat the wounded team member so he doesnt end up at Reclaim Booth.