I dunno about the worlds you're playing in, but resurrection magic tends to not be affordable or available to the general public. You don't get access to it until fifth level spells, which 9th level. That's around where most official 5e campaigns end, and most of the time you need thousands of gold in diamonds as a consumed material component. That's nation-level wealth. Folks tend not to think about it this way because we're all accustomed to the PC perspective, but really, by the time we get to that level each of us is a Jeff Bezos to the common folk.