Death and loot rules

The help centre article answers the question by location and circumstance rather than with one global rule. A Criminal who dies in Looty Bay loses the inventory but can surrender to the Police to save equipped gear. In the desert, death always means losing all loot. A Civilian who dies in the city keeps both bag contents and equipped gear. A Police Officer loses only department-issued gear.

The tool on this site uses exactly these four rows. It does not add a fifth outcome, because Kefir has not published one. Selecting a location and a role returns the matching row and a link to the source article.

Two consequences follow from the text without needing extra data. Looty Bay is the only place with a conditional outcome, and the Police role has the mildest death penalty of the four. Both are useful when reading player complaints about losing progress, which are often about the desert rule rather than a bug.