This might have been asked before, in fact, possibly by me: Is it possible to put the point loss behind a research gate? We have to attract more notice to be worth crushing, after all. Probably it would be a very early research, and one that you won't just avoid for a while, but it could help avoid a very early early game wipe. Just for the record, I don't think the money one should be unlocked, if you aren't making money, you aren't going to lead long.