I absolutely agree to your proposal !
I love the way civilians react in Ghost Recon : Wildlands.
Their presence add a lot of immersion and make the game more realistic.
Also killing civilians should be punished by reducing the resupply points to minimum to make players watch their fire.
The negative side: performance might drop to lower than 60 frames per second and the game might not be fluid any longer.
PS : You posted in the wrong Forum --> Insurgency: Sandstorm Pre-Order Beta - General Feedback ( this one is not used any longer )
Try this one for future posts : https://forums.focus-home.com/category/129/insurgency-general-discussion