So much stuff in GTA Online sucks.
I can fully agree with this, I'm going to stop playing until money from your bank isn't lost when you die.
I also think players shouldn't show up on map unless they a) have a bounty on them, b)call another player and that player can now see them on the map when they answer(this is mainly so 2 people who aren't friends but want to hang with each other, can), c) killed a player and that player will be able to now see them on their map, d) if they shoot, it should appear on the map like in a deathmatch, and e) if they are friends and crew members they should show up on the map unless you state otherwise in something you can change in online settings.
This would prevent all of the pointless killing that becomes bothersome mainly because people can literally use the gps to chase you down to kill you, I'm fine with players killing players but when the map is practically your enemy it's annoying, even if you had enough of it and go passive they can still wreck your car and screw with you that way.