[Guanott]

I, for one, am a fan of the experience debt. This prevents people from fighting monsters that are much higher than themself with no penalty if they are killed. It throws in a caution that prevents you from trying something potentially hazardous that isn't there without a death penalty. I feel that it helps a lot.
It does, however, reveal a problem when your group is plagued with a healer who doesn't pay attention, or a puller who doesn't know the area. This is where we all hate this feature, and is possibly why so many people hate death related penalties. I think that something should be instituted where the group can shrug a higher death penalty onto another group member who was responsible. May not work, but it almost makes sense