I would not do that to my players because I take my role seriously.
If you took your role seriously, you'd simply apply the rules.
Determine surprise (the Fighter is surprised). Positioning is obvious. Then roll initiative.
Fighter goes first: As you sleep, you feel a sharp cold edge on your neck. Your eyes snap open and you see a darkly cloaked figure holding a sword to your throat and pressing down! You're surprised, you cant take actions or move and your turn ends. You can now take reactions.
(Assassin then makes an attack roll at advantage due to the prone Fighter, gaining sneak attack damage, and a critical hit due to the fighter being unconscious at the moment of the attack).
He could miss (even with advantage) or roll terrible damage. The Fighter could well survive.
Assassin goes first: Assassin makes an attack roll at advantage due to the prone Fighter, gaining sneak attack damage, and a critical hit due to the fighter being unconscious and his class feature.
He could miss (even with advantage) or roll terrible damage. The Fighter could well survive.
The only time I would not apply the rules, is when the result is inconsequential to the story. Grog the 20th level Barbarian wants to murder a cowering Goblin, then whatever. It's not worth rolling initiative etc to determine something that doesnt matter.