perhaps if its possible not so much -points, but losing for example only 5 points but also XXX% of your score. Then it would not make a big difference how many points you have.
but imo about the civs there are a lot of fixes needed. It has nothing to do with realism that the forces try to arrest civilians, but in the same moment they climb, they can be killed, or you can kill them with vehicles. Seems not very realistic. Perhaps there should be a time limit or something, if the civ is in the water/ladder/whatever for more than x seconds, then they can get killed. For vehicles i agree, its your fault when you enter a vehicle as civilian. But i never understood why you are allowed to kill them with a vehicle... has nothing to do with realism imo. Also, you should be allowed to kill them when they already attack you with stones. like, if they hit one of your teammates or yourself with a stone, you are allowed to kill them for 1 minute or something... meh, the SWAT4 player in me is too strong