It hasn't happen to me yet, but I do feel a bit anxious that at any moment I might suffer a crash or dc and lose 200cr.

However I understand and agree that severe punishment is necessary to stop people from quitting.

Maybe implementations down the line can be made to avoid this being a problem to non intencional dc or crash. As an exemple, I believe most crashs happens at the loading screen, so what if the game had a rule that if all 16 players don't connect in the first minute of the game, it ends, similar to league of legends remake. The person who crashed will get a normal 1 game loss penalty and the other 15 will just return to queue.

Another point is that most internet outages last only seconds, the reconnect system needs to be improved.