I actually read the whole thing, making clothes non-muggable and saying actions during a mug don’t count as FearRP or PK doesn’t really make sense to me. From a roleplay perspective, going against people who are trying to rob you is literally putting your life at risk, so I definitely think it should count as PK.
As for the money system, I think it makes sense, but if they add a rule like that, everyone’s just gonna keep their money in the bank and stop carrying cash.
Instead of this, Im more in favor of fixing the inconsistencies in the Mug Char and Mass Mugging rules. The main reason is that there are a lot of players whove been in the community for a long time, follow all the RP rules, but still end up getting perma banned because of how flexible and unclear the mugging rules are. Even right now, there are a couple ban appeals pending from well-known and respected members of the community because of this.