I think the rebuy cost for the innocent is still too high. Even with a notority discount. They should make the agressor pay the innocent's loss.
Sadly there are always out--of-pocket cost to victims, in real life the legal system may have a victim surcharge a penalty applied to the person(s) convicted of crimes in addition to the fine/penalty applied to the crime (not sure is it only crimes of violence) also other conditions that may apply after release, additional fine, some sort of public service. Victims complete paperwork for payment(s) via Government Snail Mail.