I think your kind of on the right track here.But it should be crime= jail time..however when committing a mugging,like we do in pvp battles we should lose some health if that person is fighting back.
For instance.Simple mugging.You follow your rarget and demand cash.They refuse and a fight erupts.After a long battle you overpower your opponent and mug $8 out of there pocket,but not before you sufer a deep gash to the throat.1000 hp to start with and 766 hp after this mugging crime.
Or steal a sports car.You attempt this crime and from out of knowhere the owner of the car returns and starts a fight with you.You somehow manage to overpower your attacker and make off with his car,but not before suffering a stab wound to the groin.Money earned $1300.Hp to start with 1000 hp after crime 689.