I think this system has some merit , and I hope it doesn't affect current play styles regarding farming ninja looting (Though I feel it might make an already bad situation worse, but fingers crossed)
However I do like the way we are getting closer & closer to the Ravenloft "danger of death" ..no friendly temples spattered across every city like Faerun, & greater cost/toil/searching to raise fallen friends.
I might suggest maybe a co-operative casting over the fallen, so as to ensure sucsess & lessen the risk of raising friend as undead (I also hope one day to see other types, not just zombies) ...Off the top of my head , a protection from evil cast by an arcane caster , or another cleric of the SAME faith as that which is to raise the fallen ?
I'm not saying I hate the change & want it watered down , I'm just suggesting a more so-operative & player inclusive method might lessen (not forefit) the inherant risks & help to focus on the RP surrounding death & its banishment , not make it simply a monetary issue.
It may sound like a whine , but I hope this change affects play in the way its intended & maybe one day someone will actually hold a funeral