It's called "Iron Mode" (or "Iron Man")
But no, there's no need to implement it here that I can see (or any game really. I always figured it a waste of time, forcing developers to put in stuff cause people can't control themselves).
Why baldur`s gate can`t save in battle? Since saving in battle is available in the game,It is booked for sometime to use it.So challange yourself,You can`t saving in battle,you should plan every single step in battle considering every posiblity you can`t control.When things come to me,I suggest this is not for myself,It is something I think of that can make the game better.
A game is a game,Please consider it as it stands,I don`t think use some tricks in a game , suggest something make myself someone can`t control himself.