Well, I admit, it is little bit out of box
But it would not promote playing 24/7 at all, quite opposite, I believe.
As I mentioned but vaguely before - amount of "reload penalized experience" might not be fixed - but it could be non linear and adapt to when exactly and how frequent it happens.
Let's say that, if you reload a save from a different date, then what is today - you do not lose any exp at all.
But well, yes, there also might be some other "challenges" with this basic idea.
