As it stands currently that 50k you 'loose' is still added your your totals,
which obviously isn't ideal, but then I think that's the whole point, it's
meant to cause those tough choices, do you train 3 chunks and 'lose' 150k
until your next reinc, or do you hold out for the last bit of exp you need,
and risk dieing with all that exp on. Making exp is meant to be risky, even
idle-ressing tarms have the risk of fumbling and losing stats. I don't think
reducing these risks by making it even easier to 'secure' your exp contributes
anything to the game, and I'd say it even takes away from it. Already the cost
of protecting your exp this way is low (or a complete non-issue for those who
only advance their characters when they reinc), there's no need to sweeten the
deal.

-Lavitz