Well, in some cases they can, sure. But it is hardly always possible. My PC just just died in our last session. Nothing above is available, certainly nothing in time to help. So, yeah, pretty much "curtains shut".
In fact, I would say IME 75% of the time if a PC dies--they stay dead.
My PC was the 3rd since we began the campaign six months ago. None of them have come back yet. I said it is pretty fraggin' common.
FWIW, only one happened in tier 1, the other two have both been in tier 2. Not sure if you consider that "mid-level" but since most game only make it to 10th or so, I consider it "mid-level". YMMV, of course.
But "will to live" means the PC did not, in fact, actually die. (And I agree, I perfer neither.)