To be immersed in a video game, the game needs to react to your decisions in a way that makes sense, and we know that this is ultimately Larian's goal with the game as they have stated similar things in multiple interviews. However, there are some things in the game right now that feel as if the DM is holding our hand and protecting us from any stupid decision we make.
Example. In a tabletop session, nobody in their right mind would go 'lol I attack the red dragon with my level 4 character' (unless their trolling ofc). It would most certainly lead to a TPK, and the DM may even tell you that this is a stupid idea - but if you end up doing it, the dragon would most certainly attack you (afterall it is a proud and powerful being that just got gravely insulted).
On the other side of the argument is the dragon: why in all nine hells would a literal red dragon decide to flee from such an insult, let alone the proud and arrogant githyanki dragon rider?
If we make a stupid decision in the game, then let us bear the consequences. Afterall, we can just reload if we die, which we could not do in a tabletop session.
Oh yeah, I am 100% behind this. There should be actions, obviously stupid actions, that lead to instant death - TPK.
Like with the dragon, a cutscene plays where the dragon takes off and then incinerates your entire party - No combat starts, you just die. There is precedent for this with Planescape Torment, certain actions lead to no-combat instant death.