Hi Cory... Thanks so much for your help. I should have explained it better on the $150 when you die. As you are playing a chapter mission if you die in the mission there is no $150 charge no matter how many times you die, However, if you are in the free world and not on a chapter mission then if a gang ambush's you and kill you the penalty is $150 unless you have (I think it is) $10 or less in your bank. The penalty may go by how much $ you have accumulated. The treasure hunts are not a chapter mission so if you get killed while on the treasure hunt then that is where the penalty is assessed. I have about $3500 and if I get killed in a non mission I have to pay a $150 penalty.
You are exactly right, this game is very addictive and I play most every night for several hours. Happy shooting my friend!