| I don't accept it in a computer game.
But for those who do, my guess is it's the difference between single-player and multiplayer. 5 players don't want to go through the same stuff because you died. You yourself might find that okay instead of being dead.
__________________ ADVANCED DUNGEONS &DRAGONS is first and foremost a game for the fun and enjoyment of those who seek to use imagination and creativity. This is not to say that where it does not interfere with the flow of the game that the highest degree of realism hasn‘t been attempted, but neither is a serious approach to play discouraged. (1E DMG p. 9)
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