Instead of taking it out altogether, if that is still on the table, why not lower the benefits little by little to see what strikes a good balance?
For instance, I don't think dead survivors should be able to send their points. Force them to make the call to either send them when they are down to their last breath or lose them. Jackie, your idea of penalizing them for dying does not go far enough. The survivor dies and his/her points should die as well.
Just my 2 cents.