EzekielRaiden
Follower of the Way
Well, before character level 5, there is no revivify, and if we're already talking about house-ruling so that exhaustion hits at 0, nothing stops house-ruling these other things too (or just banning the spells.) That means little at best in context.Revivify, reincarnate,raise dead, true resurrection. You don't even need someone in the group who can cast it because npcs can be paid or bartered with to cast it for you. 5e is the first edition I've regularly seen players get a huge gp value of diamonds, be told its the component for xxx raise dead type spell and excitedly want to sell it to buy stuff even when it's their first pile of diamonds.
Death is anything but permanent in d&d
More importantly, "permanent" in this context means "they're dead, and they're going to stay that way unless you do something." Which is generally the case regardless of context. The "you can't do anything about this" is covered by the "irrevocable" thing.* Which, as stated, if we're already in the land of house-rules, DMs can do whatever they like, so your rebuttal is specious.
So: why is random, permanent, irrevocable death the only risk?
*I separate "permanent" from "irrevocable" because you can keep one or the other and still have an interesting concept. A death can be irrevocable (the players don't have anything they can to do fix it) but not permanent (because something else will reverse it later.) E.g. Gandalf's death in Moria is irrevocable, as there are no resurrection spells in that universe, but it isn't permanent, because Gandalf is a Maiar and thus "death" mostly just means "temporarily not having a body."
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