Well yeah, since it doesn't seem like it's going to be a thing in here, especially considering at least one of us is a newbie (Hi, how ya doin'?).  It would have to be a different game entirely, and honestly, I don't think of it as a DM's failure,<em>especially</em>if a player gives consent or volunteers at some point.  There's a major difference between a DM being an arse and doing that to punish a player, effectively killing the character for no good reason, or it being a story-driven thing that's an interaction between the player and the DM.