Paying to come back - In every game you die. It just happens. It's part of the learning curve. Some people more than others. Even on easy games on the easy setting, you can die. I died once in this game by getting too close to the edge. Whoops, I didn't know. Then I had to pay for it. That was one of those "WTF?!?!" moments. It was also one of those "Did Cliffy B make this game?" It seems like the more you practice, the better you are the less you die. I can get along with that. But paying for it? Coal in your stocking!
No place to store your stuff - Give ma a locker. I really don't need a house, but I wouldn't turn down the chance to buy one. There are guns I want to get back to, or maybe (several times) I have picked up a weapon that is WAY too high for me to use right now, but I can later. I could resort to 'mule-ing.' It's where you go split screen for a moment or 2 with a second controller, you drop your stuff and your second player picks it up for storage. I have read in different forums that some players have 5-6 mules around. No thank you. Just give me a locker.
Something else that bugs me is not being able to sell my excess ammo. I don't use revolvers. I just don't. Why can't I sell that ammo? I just have to carry it around. Why? I am not going to use it. Well, ok, maybe sometime I may use it, just to bring my stats up, eventually. But, for right now, I want to sell it.
First aid packs, health kits, stim packs, whatever you want to call them, why don't they just kick in when I am bleeding out? I have them and I paid for them - sometimes I can even find them - why can't I access my backpack while I am bleeding out? That sux!!
Sneak - This would have been fun. There are so many times in this game that you (as a player) could have been sneaking around the bad guys and maybe do a 'silent kill' or sneak attack, with a bonus for clearing an entire area without detection. This is an RPG (sort of) and sneak could be an attribute that you could gain points on, just like the rest of the bonuses. Not all FPS's have to be 'go in guns blazing.' How about a silencer on my sniper rifle and another on my pistol?
This is just my opinion.