Monster Suffix "of Black Death" replace XP Loss on Death

We have all seen the various threads about removing the death penalty mechanic of -10% XP loss, but instead would like to propose to change the XP loss on death penalty to a new monster suffix...

Monster Suffix: "of Black Death"
* Restricted: Undead Monsters
* Effect: Attacks cause debuff "Black Death" that lasts for 180 seconds, and if your character dies during debuff duration, you will suffer 10% experience loss.

Instead of a single mistake always making your character regress during endgame, having it changed to a monster suffix would still keep it in the game, but would be a specific property of a monster. This suffix could only spawn on undead monster types, such as Zombies, Skeletons, Wraith, etc.

I see many threads about removing XP loss on death, but people are silent when you offer up a viable alternative. Actually think the proposed idea fits fantasy quite well.

Maybe...because we don't like your idea?