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 revice 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.
Video game mechanics aren't really representative of the actual settings.
Dying in Faerűn is actually a pretty big deal ... this article covers all questions:
https://forgottenrealms.fandom.com/wiki/AfterlifeAnother relevant thing to know is that in older editions the cleric theoretically needed the deity's approval to cast higher level spells (generally level 4+ spells). So denying a cleric a spell if they strayed too far from their faith or only granting it on certain conditions, such as in exchange for a service, was a nice option for the DM to keep clerics in line.
