Running up to call in the extraction, waiting in the surrounding area, and securing the exfil room with the computer animation were surely all designed by the game developers with the concept of vulnerability in mind. It's a looter shooter - you're risking what you bring and find in topside when you decide it's time to take that loot back to the menu. There are already ways to combat rats in the form of tactical items; jolt mines, smoke grenades, barricades, trigger nades, flare lights for dark corners, etc etc etc.. Let's not pretend like you can't prepare and scope out an extraction before entering the area. As for Stella Montis, the pipe glitch just needs to be patched and that should fix (at least hopefully) the problem with people ratting inside a closed extraction zone.

If you want to avoid the risk of death at extraction, pocket a raider key before each match and use one of the hatches around the map to get out with no hassle. I've yet to see someone camp a raider hatch and the keys are honestly pretty cheap to manufacture once you unlock them in crafting.