You shouldn't be punushed for winning defences!
Tonight I won the 2 first and with lost traps/bombs/CC/napping King I lost the third, overall >500 000 Elixir. The idea that it is better to lose than win is wrong. Defending your townhall should never be wrong.
Some ideas:
Winning a defence give you shield, not losing.
The amount of loot enemies get depend on how many stars they take. 0 stars, 0 loot.
Winning a defence should give you some bonus, maybe loot, autofilled traps/bombs/CC/awaken hero?
As it is now winning is losing, I don't like that idea.
Don't save both elixer nd gold
I try not to save both elixer and gold at the same time, I take turns , if I'm upgrading a barrack or amp then I pour lots of gold into walls , andif I'm upgrading defences I use my elixer on spells expensive troops . Hope this helps