In the "main" campaign where I play, two players, of which I am one, came from another campaign that made us very paranoid (yes, also Shadowrun) a few years ago.
Our new DM wants his players to be active and
do things. He also dislikes resurrection, because of how it influences the world, and dislikes losing PC:s, since he wants to tie long-lasting story plots to them.
His solution is simple, but I
don't think it will sit well with several others here

.
He said upfront "Your characters are
not going to die. If you lose HP so that you would have died, you will have an old serial-style cliffhanger escape instead. You will lose out on the rest of the encounter, you may limp back injured and it may leave its marks. You can get defeated,
but you are not going to die."
That made wonders for our paranoia, as you can imagine.
And the cliffhanger escapes led to several real cool events in the campaigns (we are into our third with the same DM and group):
Once, when my character would have died to a giant shrimp (don't ask), she escaped miraculously and inexplicably. When we got back to town, we learned that a magic item she had commissioned, an intricate bone carving, had crumbled and turned to dust in the artisan's hands at the same moment.
Another of my characters would have died on top of Olidammara's altar, on his holy day, which was a carnival, at the stroke of midnight, which was the climax of the carnival. This was not contrived, but something we realized when it had just happened. She was rescued by divine intervention, and with some changes...
Another time we had would have been a TPK. Instead we woke up in the dungeons of a Hag, who wanted to use us as ingredients for a nasty ceremony. It was real fun breaking out of that one...
As for deterrent against doing
too stupid things, losing face by getting defeated in a stupid way is quite enough, thank you.
