I think that if you die you should be sent to a undead place where you have to find your way out, almost like a maze, with lots of treasure, but with lots of puzzles,(ex. you take the golden amulat out of the coffin, and then zombies come out of the ground, and coffins) so if you take too much or something worth alot theres a chance of a monster coming after you.
and depending what you do, you'll respawn in a different place, or a secret place.
So you can have almost your own adventure in the dead.
Of course this could be time consuming if your in a mission with a bunch of people.Unless you go there until you get respawned from your team.