Debt XP can be made up in fairly short order. While annoying, I'm reminded of MMO deaths of yore...specifically EverQuest, where in the early years, people banked secondary suits of armor and weaponry, as the inventory stayed on your corpse when you dropped, and there was X amount of time to get to a corpse before it decayed...taking all your stuff with it. In that regard, newer MMO's have it easy.
My biggest issue is the run back if I can't rez. If I'm the back of a map, and have to run back through, after going across the main zone from the hospital. 🙄