Well, for the Shattered World, my own camapign setting there are two approaches to raising the dead (the game world doesn't include Druids and thus I haven't needed to deal with Reincarnation). Firstly a little setting information. The spirits of the dead pass to the Realm of the Dead on a great supernatural river of negative energy; this helsp account for the debiitating effects of coming back from the dead. The Realm of the Dead is overseen by the Lords of Undeath, who ever crave the lands of the living.
When a Raise Dead or Resurrection is cast, the spell reaches out along the River of the Dead and draws the spirit back into the world of the living. However, in doing so, it creates a limited opportunity for the servitors of the Lords of Undeath to reach this world, and powerful undead may well materialise nearby; occasionally a weaker incorporeal undead simply possesses the returnee, trying to disguise its presence to the attending priest. Thus the act of bringing someone back from the dead requires the attendance of guards and wizards to deal with the possible consequences of the spells.
True Ressurrection (which has not been used by any PCs yet) works differently. With it, a priest and an attending party can transport themselves into the Realm of the Dead in order to seek out and claim the spirit of their fallen comrade. However, the Lords of Undeath have a sense for the presence of the living in their realm, and the party can expect to have to deal with being hunted by reall powerful Undead, in a place where they are bolstered. However, retrieving a spirit this way avoids the debilitating effects of the River of the Dead.
In the game world, the effects of these spells are such that people are reluctant to perform them: they might really want their loved one back, but the must also think of the risks to themselves and the remainder of the family. Some untimely deaths can be undone, but the chance to inherit brings out the greedy side in all too many people*.
True Resurrection has the advantage of making a story out of the event and putting other characters on the line for their comrade. Sometimes it is better for the fallen to simply stay that way.
* I used to work as a civil servant collecting inheritance tax. I got to hear a lot about just how mean, petty and vindictive relatives can be when there's a whiff of an inheritance. As they say "where there's a will, there's a relative!"