This is a proposal for what should happen when your character gets killed. The character should respawn at the city where it left. Money and goods collected on the mission is lost. You should start over. If the rest of the team succesfully ends the mission, they get less xp points because of teammates getting killed. They can however give goods and money to the fallen comrades in exchange for xp points.
Nobody can ressurect. You can once regain your health and energy. Monks should perhaps have extra strong healing capabilities and defending skills.
What is wrong with the system as it works now? Dying makes you now weaker; it is in fact not dying but getting wounded.
Dying should at least have an aspect of failure so that you have to start over. It would also attribute to better teamwork and -tactics.
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