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Play a system that accounts for this.
Fate gives you fate points to spend when you do t like a roll. It also gives you "succeed at a cost" if your fate points are exhausted or not enough.
You can still just roll with it (pun intended) and die to a random goblin if that's fun. But you also have agreed upon procedure for not doing that. "It looks like the goblin is going to gut me, but (slides fate point across the table) as it says on my sheet I'm a Battle Tested Bodyguard, so I twist at the last second and he misses (because the fate point bumps my defense roll high enough)"
This is pretty easy to import into DND, too, if you like the other parts of it
Baldurs Gate does a good job of this with the inspiration
Inspiration is already in DnD!
Inspiration in raw DND is extremely under baked. Bg3 expanded it a little by letting you hold more than one, and actually using it. Most tables I've played at don't use it, or it's pretty rare.
Fate by default starts you with 3 fate points per session. It expects you to use them and has clear ways of getting more.
I really tried to get my old DND group to use then more, but it didn't really click. I wasn't a good fit for that group really.
Also scrolls of revivify are so common, and even without them you can revive an ally for 100 gold with no strings attached