Lyxen
Great Old One
Yes, using opaque ad-hoc fixes instead of solving the problem for good with a transparent rule is an inferior style of gaming in my view.
Thanks for badwrongfunning other ways of playing, well done.
Even if one is using D&D for a story-driven game (which, itself, is an enterprise of questionable efficacy), the correct solution is to eliminate the issue altogether with a houserule, so the table can expect the rules to work reliably and know that no one is doing something sneaky when others ain't looking.
Yes, sure, rules are the answer to everything in D&D, well known fact. Bad news for you, however, the designers of the most successful edition of the game happen to think extremely differently, about rules, about playing the game, and about what playing the game "well" means: "To play D&D, and to play it well, you don’t need to read all the rules, memorize every detail of the game, or master the fine art of rolling funny looking dice. None of those things have any bearing on what’s best about the game. [...] Playing D&D is an exercise in collaborative creation. You and your friends create epic stories filled with tension and memorable drama."
Dramatic death: when the rules say your PC is dead, they survive, but DM will tell you, what price they'll pay. The more dramatic the circumstances are, the higher the price will be. Negotiate. If you accept the deal, you can get back to playing in the next scene with 1 HP; otherwise, that's it. Roll a new character.
Sure, arbitrary DM decision requiring a character change is certainly the way to maintain player agency and to ensure that they will enjoy the rest of the campaign.
Poof!
Yes, poof! the players are gone from the table run by an arrogant bastard who thinks he's there to teach them lessons about the way to survive in his incredibly dangerous universe where it's all about survival of the fittest - as everyone knows that it's the only way the game should be played.