I just don't think they should be punished for handling their life and the like. In most situations I can understand it, though a simple forfeiture would be fine. If they are just hanging around and not participating, in the alloys time, forfeit. If something pulls them away, forfeit. 

I like the Mark inactive thing. Perhaps a side list foe them, so they can hop back in on their return though that could have detrimental effects on the rankings. 

I don't kind the point loss. Gives you something to fight for, especially if it pertains to keeping/advancing a rank. 

The wager bit isn't meant to replace it, just a different way of operating. It could be used for items and the like, but wouldn't get you any higher in ranks until you actually win points.