Reduced rate to heal from being Fainted

For the duration of being fainted, you are given the option to pay 200 of the largest on-site cash denomination instead of waiting one hour. This is good, and encourages users to be active, save their money, and remember to feed their avatars, but 200 galleons for only half an hour seems too much, or 200 for waiting 15 minutes.

There are many ways to fix this!

Perhaps have the fee go down ever 5-15 minutes? Potential equivalents below:

1hr - 200 
45min - 175
30min - 150
15min - 125

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Alternate fee options:
- Have it go down by a galleon every minute
- Have it go down by two galleons a minute
- Have the amount decrease by five every ten minutes

It is common for users to have 195 in their account (on hand cash) and not be able to pay the 200 fee.
This feeling is crushing, and having to wait in your Owls or IMs is the worst, especially when you have a deadline, or were looking forward to something specific.

Thanks for taking a moment to read this!