Death doesn't have to be negative. Just imagine going out guns blazing as flames erupt all around you, or going to sleep never to wake up again, peaceful.
Because it is only natural to die one day. You don't have to run from it. Just embrace it and make the best out of it.
Death is a trauma, I'd argue. Also we evolve in more complex ways than just genetically, since we have the ability to spread and store information among and over generations.
I'm not so sure about this. If you die and you leave debt, someone makes a loss. Now in the abstract case of monetary debt, that may not be a problem. But there is also an emotional debt. It is not healthy to carry that to one's grave, I beliefe. Scars must be properly healed instead of ignored, ideally within one's lifetime.
Death is inevitable. It has to happen at some point. Thus you should settle your affairs in due time. But that is up to you. And has little to do with my point does it?