Suggestion/Comments:
This suggestion is not new as there have been many complaints in-game, on reddit, twitter, Steam comments and even on this forum:

The new system is great, gives much better flexibility in terms of presets, the ability to use crystal on different gear and on alts.
Unfortunately that flexibility brings with it the much higher chance of breaking crystals in unintentional scenarios, leading to a lot of player sadness.

The previous system tied crystals to gear, so having expensive setups on low gear score was highly unsual.
Whenever I lost a crystal it was mainly my fault for putting myself in a bad situation but was confident at least I was properly equipped when doing so.
i.e. lost crystals when grinding Ash Forest or travelling through the Crypt of Resting Thoughts.

There was also the less fortunate case of people feeding me to mobs in risky zones, by PVPing and leaving the mobs to finish me off - but still as bad as it sounds not a very common occurance at least for me.

Now in the new system... I lost 1.8 bil worth a crystals during one single death (broke 2 crystals at once) killed by Garmoth on an alt without much gear, while not paying proper attention, and b/c traditionally it's an alt so who cares if I die (at 0,0% EXP) but forgot I equipped my main set.

Was this my fault? yes. Do I feel cheated even though I messed up? yes.

So why is this a big deal? Because even on my main, I used to die unintentionally while going to do a PVE activity with lifeskilling clothes on - it happens more often then you think.

But it didn't matter that much before, but now our crystals are always there and I'm sure there are plenty of opportunities to break them accidentally.

Imagine afk auto-pathing somewhere and getting stuck in a curb or some random player with a Doom stopping you, and while the initial action might not kill you, aggroing a random mob on the side of the road will - so you return some time later to find your char dead, and out of a couple hunder to 1bil or more (which is not a huge deal in the current economy but still 1h+ grinding for a most players).

The new system and it's flexibility is a good step forward and maybe there are other ways to resolve it, but the current penalty deters me to use it on anything other then my main character (cautiously), and just use a crappy low-cost preset or no preset on alts.