In theory resurrection magic, while definitely being a thing in D&D settings, is supposed to be incredibly rare and not readily available from any backwater priest or temple. Even if you are lucky enough to find a priest who can resurrect in theory, it's far from certain that a resurrection will actually work (in earlier editions, for example, the deity could decide not to grant the spell or grant it only under certain conditions or a soul might simply refuse to be brought back).
Also, people tend to forget that most priests are either not clerics or even if they are, they'll most likely be pretty low level.
I'd love if players wouldn't get access to resurrection spells (or scrolls) outside of very specific situations.
I only know D&D from Baldur's Gate 1, 2 and 3. In BG 2 I can go into almost any temple and they can revive my dead party member pretty easily and it's not expensive. And I've always had at least one cleric in my party who could revive dead party members.
So from my experience playing games, it always felt like dying in the forgotten realms wasn't a big deal.
On a further note: even if someone dies for real, they just end up in another plane of existence, such as one of the nine hells, right? And theoretically one can escape such a place, too.
