Death penalty is basically a penalty for being forgetful and not spamming the quicksave key. This often means lots of wasted time and replaying stuff thats not all that exciting and that is not FUN. I'm not advocating that death should not be punished, but don't waste my RL time, punish my character not me with stat reductions, xp or gold reductions, etc there is lots of room for creativity here.
That works for MMORPGs, but not single player games.
Every game out there does the exact same thing.
3. Double click on save game = load. This is standard convention for computers. Don't make me click up here then click down there to confirm.
That's a standard? Dunno what you mean by that, because in every game I've ever played (and that is a lot, 20 years worth of games) we've had the standard save button and load button.