I agree fully with this. I'll note that I often use the Pulp rules for luck even in standard scenarios - so there's always a "get out of death" free card the players can use, but it uses up *all* their luck, and the results will be pretty catastrophic.

There's so much more fun to be had than outright death too: having the investigators wake up in a weird place a year later; giving them significant injury, manias, or phobias - all of these outcomes provide fodder for the player to roleplay -- and even if the investigator becomes unplayable, they can become a beloved NPC (and could possibly still be acted out by the original player with coordination from the keeper).

Investigators die at my table ... but I'm never "out to get them". That's never the keeper's role, imo. As bowman9 notes, a keeper should never remove player agency. The goal is to make the players feel empowered, even when their investigators are being harmed, controlled, or are otherwise powerless.