how on earth can you "abuse" a saving mechanic? it is a single player (or local multiplayer) game so you are only cheating yourself and ruining your own experience.
Every player a game of DnD where you told the dungeon master to roll the D20 again because you didn't like the loot?
If you don't want it, just don't do it
Besides, the game has no way or continuing a game after death as it has no checkpoint. If you are dead, you remain dead.
Loading a savegame is going back to a older state of the game, and not to be confused with a checkpoint system that just revives your party at a certain point.
