Thanks for another great bug report
The problem with PvP is not being away from the server, but from another player, And we should have a solution next week.
With the pay out - it`s best to have gold or resources that you can pay out with - if you don`t, it takes away your units - and yes - it`s quite steep with that. Just keep some gold around and you`ll be ok with avoiding payouts.
With cancel PvP protection - we`ll add something in.