Returning from the dead should never be taken for granted.
It should be costly for the player in terms of resource & also in terms of XP if used.
If returned in game they should lose a portion of or all XP gained up to death & potentially a portion of XP already earned (although this could be messy to administer).
Characters returned after a game is already over because of some means, such as a magical insurance or the like would remove all or some of XP earned over the weekend.
Of course that shouldn’t affect reward given if playing an NPC.
It should always cost in terms of a monetary cost, should that play a part in games. Components for such spells may be rare, characters may be required to fetch a rare or hard to get component for it to even be possible, either to replace that used or to be able to have it cast full stop.
Of course, dead characters may not wish to be returned & there will always be circumstances in which it is impossible to be returned.
Crucial events, such as slaying the big bad at the end are an example of where failure would be absolute. Or when the entire group is wiped out by the big bad minions & there is no hope of being returned.
Two spells in Sundereth game system:
Reinvigorate Fallen- Allows intact, returned corpses, who have died within the last 24 hours & haven’t been interfered with to be returned to life. If you lose a body part, you will be missing it when returned. If it can be found, it can be reattached with this spell.
It is very draining on the caster & will have an expensive component.
This is themed on the miracle workers pill from the Princess Bride.
Reincarnate- Returns a character with only a fragment of their person (such as some hair or a finger or a vial of blood). They are returned to life fully but are often missing some of their memories & will be returned with somewhere between 50-80% of their characters Cp. Only XP gained as an NPC (after they died presumably) will be allotted to this character.
Again, this will be expensive & draining.
Both of these will be subject to the game world physics of the realm in which the character died.
Some realms are so heavily polluted with the dark magics of the void that those that die there cannot be returned.
It is in these dark places players have the most to lose & will be known to the players characters, so that they have the choice to enter.
Of course crucial events tend to take place in these parts.