IMO if a ghost hasn't moved in say 4 or 5 min then it should automatically log the account out... connection lost disconnected from server. If the person really just died they aren't likely to stand about doing nothing for hours on end... so therefore they ought to just be logged out.
If this happens more than 3 times in an hour then they can't log back in for say 2 hours. That should fix it.
If this happens more than 3 times in an hour then they can't log back in for say 2 hours. That should fix it.