I won't discuss my thoughts on the players mindset regarding his character, it looks like enough folks have done so already. I will, however, address your question about how commonplace the return to life spells when I'm DM. In my upcoming Greyhawk campaign I am being quite restrictive on the source of such spells. I won't go into the campaign details, but as it stands only 3 gods have absolute control over death, in particular returning from it to your previous form (Reincarnate is not restricted). Only Nerull, Wee Jas and Pelor provide their clerics with the possibility of casting the Raise Dead, Resurrection and True Resurrection spells. Of course if the party can find a cleric (or has a cleric) of the proper deity capable of casting such a spell they can't just cast the spell. Nerull isn't going to grant the spell to just anyone, he's pretty happy with keeping the dead, dead. Wee Jas is also not terribly likely to grant the spell without reason, though said reason won't have to be as convincing as with Nerull. Finally Pelor is the most likely to provide the needed spell and even then the party is going to need to have a good reason and at least be of good alignment (if not outright followers of Pelor). I'm not a killer DM, so if there's a death in the party something went wrong ("stuff" happens) and that's just the way it is, bury the dead and move on. This may sound a bit tough, and some in my group think so, but I've never been a big fan of the return from dead spells, though I think Reincarnate has some interesting value. I also don't think that every deity should be able to grant these spells leaving it in the power fo the gods of Death (and in the case of Pelor, Healing) to manage who can and cannot return from the dead. Of course, in the event that the party wants to travel to the planes (a likely possiblity in my upcoming campaign) to negotiate for the return of a dead character's soul, I'd be willing to work with that.