A Living Will

[Roomba]

Cloning in general already depends on the goodwill of your fellow spaceman, already a resource in short supply. There's no need to add the additional hoop of money, a completely arbitrary resource that is for the most part entirely dependent on how long you've been on the station and can be wiped out entirely by the HOP whenever he feels like it.

Also making it harder for dead people to re-enter the game just hurts the player population as a whole. People get pissy about having their playstyle limited in any way - look how many people immediately suicide upon being borged/arrested/kidnapped.