In fact, it becomes consistent now, and actually it will prevent the "tincan when autobalance favours you, else naked" fad we're seeing.
Btw:
0.04 (4% break chance) * 0.05 (5% cost) * 25000 gold gear = 50 gold per minute
Incidentally, the same as your gold income sans multipliers - so you will be able to upkeep 25k gold gear (actually, probably a bit less because of, well, rounds not lasting for exactly X minutes but less etc) if you're constantly on the losing team.
Which will probably translate into 50K of gear for a average player taking the average multiplier for a average player is 2x. Which actually gives a lot of leeway, 50K is a big sum - top tier weapons are about 10k, good armour / gloves / boots / helm combined cost about 30ish, etc. In fact, it may be too much, actually. Maybe 5% break chance would be better.