[Nabren]

I prefer the experience loss with level loss because it really makes you play smarter and value your decisions. In addition, it weeds out idiots that attempt to wipe the group out of spite. In World of Warcraft, if on a public raid someone didn't get their way they could just wipe the group and even if they died it didn't hurt them.

If it hurts them as much as they would be hurting everyone else there is a chance they might not do it.

In addition, it really encourages teamwork, which is why I play MMORPG's and not the many great single-player RPG's being made.