Yes, things happen... But the penalty should fit the crime. First offense gets a pass (like a "warning" from a cop), second offense gets a small fine (1/3 the buy in), third and future offenses, it doubles each time. So, by the third NMR, you are already out your buy-in. Then the CD could be double whatever the current NMR that triggered it is. So, if you miss two in a row as your first two, then the penalty is the same as the present (1/3 for the 2nd NMR and 2/3 for the CD), but if you had NMRd even once prior, then you 2 extra NMRs cost you a total of you buyin and the CD cost you 133% of your buyin, meaning you lose more than double what you put into the game, and the penalties just keep going up.
Just a rambling thought...