We all had to quit a fight because something pops up IRL... But then againg it's only a game and If I can't finish a fight because I did not have time to I'm the only one to blame!
The negatives doesn't weight much to the benefits a higher penalty would give...
Oh and beggars don't deserve a win! In fact, what you state is a reason not to add penalties is a damn good one for me to ADD penalties... so beggars can roth in lower rank where they belong... ( with kunters)