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Newbie
When you have failed a level stop covering up the board with the option to buy more lives. With the board covered up you can't make an assessment to purchase more lives or not because you can't examine your possibilities because the failed board is covered up. You can't see if it's worth it or not to buy more lives.
Personally I think the assessment is easy nowadays @Jeannewise. If you are only being offered five lives then that will not be enough as you generally will have to wait until you are offered 35 lives until you can complete the level.
Seriously though I am sorry to say that your idea is a duplicate and duplicate ideas aren't allowed by the rules of this area.