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Technically, it's HP loss. More honestly, I've seen two major culprits. Stupidity (usually players, sometimes the DM who horribly miscalculates an encounter) or MMIII. For whatever reason, in the group I play with, it as an absolute given that roughly every other encounter with a creature from...

Hmmm. I eventually settled on 20%, although the only PC I've had die was using the Phoenix Something-or-other spell from BoED that automatically raises you, and the one character I've had die when I was GMing stayed that way. We play with normal to high magic, but with next to no ressurrection...