That's funny. I've GMed a lot and I've never encountered a RPer that felt the need to make his or her character immune to death. I don't think I'd even bother letting somebody like that in my RP. However, to be fair, as a GM I've never considered writing the line "and then [insert player's character here] died." I've never considered it to be my responsibility to do something like that. I simply trust that the RPers will take what I throw at them seriously and don't cheese their way out of everything. Hence the rule of no God-moding.