The other two chars are not the primary chars and are not so dedicated to the cause so once the main chars are dead they steal the loot and run away :p
This kind of thing should use the Attitude mechanic. If your companions like you enough to resurrect you, despite the knowledge that they could steal your loot and run away, then that should be what happens. However, if you mocked Modora's paranoia or Jahan's intellectualism too much, then they decide to abandon you, and it really is game over even though there were survivors.
I understand you meant your reply as a joke, but taking it seriously has more interesting results.