While this wasn't my solution, merely an agreement that a game mechanic made sense in an IC way. Perhaps you could catalogue all the other problems that this would cause because I've only read of two being discussed:
1) Fame Whoring
2) "Forcing" another character's unit to kill you
3)It would make characters even less important than they are now: "oh, there goes another hero!". People should care about their characters and not try to kill them--that's unrealistic. We are supposed to RP nobles, not madmen who care nothing for their lives. Heroes do not
try to get killed, they merely fight and accept the risks.