And because losing some good loot would probably cause people to want to reload instead, that option doesn't come up when you die, and this scenario replaces it. Though you could still load up an earlier save after this, but let's ignore that for my purposes
To expand on this, if you are close to a city, perhaps your companion could take you to a temple for healing, which makes temples a bit more useful. I'm sure someone with more imagination could take this whole scenario and make it awesome~
I just thought that this would give a bit of consequence to dying, more than just reloading and trying again. It is also a bit more roleplaying friendly compared to reloading as well.
I personally could not make this mod a reality, because it requires skills beyond myself currently, but I was wondering if anyone else thought this idea was worthwhile at all...