This is my long standing hot take and point of contention with rules as written in conventional D&D fantasy rule sets: death, if the rules of the game were actually applied to the setting, is less about finality (except for the lifespan limitation contrivance) and more about health insurance or lack thereof. People who die that have enough money should by all means have family that pay for raises (or resurrections when the body isn’t available) as a matter of course and the material consequences of that would be that premature death from violence, illness, or accident would be mostly a poor people thing. Funerals would be awkward in setting: “sorry you can’t afford a rez. The divines bless the departed I guess, lol.”