normal saves would save after starting the train to end the current game session so nothing changes in regards of money, debt and equipment unless a session was fully played out which also can prevent grieving without fancy anti cheat systems and functions (like in most games).
Wouldn't this be cheating?
No.
Because the map and enemy spawns are random every time a game session starts.
(currently the game treats quitting a session as a death without loosing loot on the train but the money used to start the previous stopped attemt is gone together with all carrtied items)
(Workahollics and masochists hate this idea)