I don't see anything wrong with regeneration in towns (
), for when people are out of money and resources, at least on lower difficulty settings, but I certainly don't think it's mandatory.
I don't think it's something I'd use because it's been a long time since I died and I now know the game, but used like that, I don't think it would detract from the game.
In short, it's not important to me, but may be to others.