my opinion... saving should still be allowed if in hardcore mode, BUT when you die, it should delete your save. if you really need to quit, you could save, and reload. although this would still be exploited by the folks who know theyre gonna die and hurry up and exit.
OR you could implement a force save and quit for hardcore. if someone wants to stop playing for a while, it auto saves whereever you are instantly, and thats where you load up. get rid of all the other save points and only allow saving this way. this would prob be a better idea, people couldnt take advantage of save points.