The “insist to stay for free” option is stupid. I accidentally picked that while trying to stay at an inn. Obviously the guards got called on me, they beat the crap out of my characters (who were already injured, thus why I was trying to stay at an inn), and I lost more than an hour’s worth of play.
This is the sort of frustrating and meaningless death that makes me not want to play a game anymore. It’s really hard to replay through a bunch of the game just because I slipped and hit the wrong button. If you want to keep something like this in the game, at least have a “Are you sure?” dialog box.