I think you missed my post, where I explicitly point out a game that uses a middle-ground with consequences for death, and yet still uses Raise Dead.
You proclaiming there is no middle-ground, is kind of weak sauce.
You're right... I started writing my post before yours came up for me. No worries.
The reason why I don't argue for middle ground is basically for the same reason Monte talks about. Any "middle ground" for resurrection needs to have a cohesive narrative to explain why PCs get it and yet nobles or the filthy rich don't. Because I find there we are extremely light on narrative reasons why that happens. Even if resurrection required going on these long quests to pick all manner of magical components that needed to be used (something that supposedly only "adventurers" could acquire)... every noble with any ounce of sense would spend handfuls of their fortune hiring people to go out and get that stuff for them... so that there was never any shortage of components needed to have the resurrection work.
At some point, it just becomes silly.