I have not read through the tons of game suggestions so I don't know if this has been put out there yet, but if it is out there then just disregard this please.

Basically, countless times you work hard knocking over post offices, doing crimes and heist or even spend your real life money to get rich, only to be killed and loose it all.

basically what im proposing is, we pay into our own personal fund called "Retirement Fund" or "Life Insurance" (whatever the gods feel necessary to call it), That way when you die, you can tap into that fund  and start up again. Now, we need to have a limit lets say 2 mil (more or less that can be tweaked obviously). Now this money can not be touched under any circumstances under the current character you on, you will have to die to redeem this money under a new name and character. 

For example: character "A" lives for 110 days and has built up (lets say) 10 mil however, they pay into the "life insurance fund" 2 million dollars, now character "A" has invested into their next bloodline (can be tweaked). Character A cannot have that money under any circumstances, or can with a penalty again can be tweaked. Now Character "A" dies at the hands of a Durden or Wackback with 10 mil sitting in their bank when their bloodline comes back as Character "B" they can have any amount out of the life insurance fund up to the amount previously paid into.

Im sure it's a long shot, but figured I would put it out there. Again this is just a rough draft for an idea, im sure with some tweaking it would be a nice feature.

You'll probably find that idea has been thrown around, as you assumed. I imagine it would be misused, there is a similar feature that will see you get a small amount of start up cash from your previous character, depending on their notoriety and experience.

Personally I enjoy getting started from scratch, it makes it easier to play a new character, instead of a new incarnation of yourself, and what you achieved last time around. 

Yeah i have been IA for a bit, thought that idea would have been thrown out there, well thanks for the information though. 

Ok no problem, just a suggestion thought it was a good idea at the time lol