Hope to modify or add Tarkov-like HC mode

With the update to version 0.3.1, it's clear that GGG is aiming for high difficulty in endgame content.
I've recently had an idea: there's a huge gap between the difficulty of Standard mode and Hardcore mode, making players want to try the endgame but too afraid to do so. It would be great if Hardcore mode could be modified to be like Escape from Tarkov, or if a new mode could be added directly.

My concept is as follows:
1. Instead of deleting the account upon death, all equipped gear would be lost to the void, and possibly even all items in the backpack would disappear unless they were stored in the stash after returning to hideout. This would make mapping thrilling, increase the demand for gear and various items, extend the league's lifespan, and also eliminate the hassle of having to create a new character after dying. Just thinking about it makes it sound like a lot of fun.

2. Allow the use of currency to insure equipped items, ensuring they won't be lost upon death. This would also consume a large amount of currency. However, don't allow all equipped items to be insured—at least one piece of gear should remain at risk. Even with insurance, the excitement would remain, and players would have to think carefully about which items to protect.

3. To avoid having no usable equipment after dying and dropping items, have NPCs in the hideout sell some decent gear to make it easier to at least re-equip and get back to farming.

If Hardcore mode were like this, I would be very willing to play it.