ExploderWizard
Hero
Remember, it is the DM setting up the encounter that resulted in the PC death in the first place. Some portion of the responsibility for that PC death has to be taken by the DM who created the encounter and decided NPC actions during that encounter. For example, if 4 NPC archers fire at the PC wizard and the PC wizard dies, why exactly is the DM then further punishing the player of that PC?
This is just as heavy handed by a DM as some adventure railroading sometimes is.

Just a sec....

Wow. Thats a good one.
There was a monster in there! We HAD to charge in and fight it. The DM made us!!!!
This only makes sense if the players are led around by the nose and told whom to fight, and where and when.
As a player, if you put up with that then the PC wasn't really yours to control anyway so who cares if it dies?