Dying in multiplayer is a punishment

So when playing with my friends and we are in the open world why is it we cant just revive and start at the nearest check point? It doesnt make any sense and it honestly feels like we are being punished for dying. In boss fights I get it its to prevent zerging on bosses but when you are out in the world fighting normal enemies it doesnt make any sense.

It really feels like GGG is punishing people for dying or they are being extremely anti multiplayer and it really kills the want to play multiplayer.

As a side note its not fun being killed by rares off screen throwing bombs or some form of projectile and being surrounded by melee enemies that box you in.

Also, it sucks dying in multiplayer since you have to wait for your ally to find you or your ally has to kill everything around to revive you and you lose out on all the experience. Again, very anti multiplayer.