Originally posted by Chalupa Muncher:

fix your game stop making me lose skills refund???

The game isn't broken nor "making" you lose skills... that would be how YOU are playing causing that.

The whole point is to NOT die, which means being fully prepared at all times (full hp and stamina buff as well as rested bonus), using terrain to block potential incoming attacks, and running away if necessary.

The game is NOT about being a super hero and rushing into every battle... If you don't want to die (and get skill loss) then learn how to AVOID death, instead of running around as if you are invincible... because you aren't.