One thing they did in Warbirds a while back, I seem to recall, was coding maneuvre limitations. So, if someone tried to use a B17 as a fighter, the otto gunners wouldn't fire if the gyrations of the plane were too severe. Implementing something like that would be good in this case; if you start pulling maneuvers a Lanc was never designed to pull, you find yourself suddently incapable of dropping your bombs, and you simply become a large and colorful stain on the landscape below. Or your bombs drop but they drop as dead ordnance. Elaborate point penalties aren't going to work, only disabling the ability to have the suicide produce any virtual world effects at all.