//on top
new savedmoney[MAX_PLAYERS];

//on PlayerSpawn function

if(savedmoney[playerid] > 4)
{
 GivePlayerMoney(playerid,(savedmoney[playerid]-5));
}

//onplayerdeath function
if(killerid == INVALID_PLAYER_ID)
{
 savedmoney[playerid] = GetPlayerMoney(playerid);
}