New gamerule that makes keepinventory more challenging

I prefer to play with keepinventory on, i know a lot of people do too. I hate having to lose everything i got just because of dying, but i also don't like that there is no downside to dying with keepinventory on, so my idea is: Players should lose exp still when dying with keepinventory on, and keepexperience should become a new gamerule. i got this idea from terraria, in terraria when you die on normal difficulty you lose your money and need to come pick it up again but you keep your inventory, this makes death have a downside on keepinventory while still letting you keep your inventory.