For example, on the server we have planned: The owners will set the rules & the Admins will enforce those rules. The Government will set the laws & the Police will enforce the law, they are, or should be, two separate entities.
I can see this penalty as possibly being available in community servers but almost definitely not in official servers. Imagine some 12 year old kid is joy riding in a stolen vehicle and runs you over while screaming profanity. You had a million dollars in the bank which is now down by 200,000 because of that stupid kid. Now let's say that it took a month to get $200,000. I for one would be so furious that I would probably get ill, so I wouldn't personally play on that server.