Eh, Revivify gives me another 10 rounds to get to them and we can just expense the 300 gold to the king

I’d re-caption this to be from the DM’s point of view, something like when you drop a PC with an unexpected crit and they crit-fail their death saves

I played a game where PCs had a fate stat. A high fate wouldn’t protect your character from dying in a gutter but, if they did, it would become significant.