High tier stuff should be difficult to attain, which it is, because it costs a lot. You're not doing a public service by increasing the time it takes for people to afford it. That implication seems bizarre to me. Telling people to not save up for stuff then if losing money bothers them so much, also doesn't make sense to me. Not particularly caring about money isn't really an option when you're below level 20 and don't yet have an apartment and halfway decent vehicle.
Saving up for stuff is an integral motivator in most multiplayer games nowadays. It's not necessarily fun, but losing progress due to other players taking it away is definitely boring. Suggesting others should adapt to Rockstar's shitty design makes sense in a way, but I don't think the design should remain shitty. Nor do I think that the design allowing for it, justifies shitty behavior.
Thinking aloud time:
You should be given more options before choosing to spawn. Like, where to spawn. Having to spawn right next to the guy who's constantly trying to kill you is daft. Spawn protection until you start moving. Require player confirmation to spawn, for tinkle times. After X amount of successive kills, start giving options for imparting negative effects for the instigator. Drunk-o-vision and controls, randomly switching weapons, picture turned upside down, cinematic camera enabled, gun turned the other way when targetting other players, whatever. Stuff that makes it easier for the victim to get away or retaliate. Or you could do fun stuff like getting to pick one of the dude's vehicles as recompense, or set him back a level. Remove a vehicle mod or weapon, or reset access to them. If they can keep others from progressing, it seems fair that others can make them regress.