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What you understood and what is are two different things. You lose all of your tools too if you fail a campaign.
Leaving via the map exits and 'failing' the target hunt sections does not fail the campaign, and does not penalize you with half your money I think.
Also it might be harder to get rarer weapons and items if you keep being stuck on the early difficulty levels, there is a skull icon on the bottom left next to the minimap, that represent the difficulty factor in your current session, from 1 skulls to 3 skulls.
Failing a map can make other maps go on a alert, and failing a alerted map equates to a campaign fail, which is 50% money loss even if you leave.
Showdowns are technically like 'alert' maps since you can fail and suffer the same penalty, a 'campaign fail' penalty basically.
For instance in Miami, USA; There was a target I got but was apparently also the same NPC from a id card I found nearby, so when I recorded his id card into the target scanner, the robot gunned him down for me.
So yeah if you look in the map and see a name on your target, check online to see if that target has any scripted 'missions' or 'challenges' that is scripted to run on.
Also, freelancer mode is not 100% randomized targets, it randomizes the optional objectives for XP/Money, and Prestige objectives, ALL npcs on a map is generally named already if they are a 'character' that is killed in the regular gamemodes. So the game basically picks a 'story character' at random for you to go for?
It's a waste of time.