Opportunity cost is a pretty well understood concept.
Like, inagine you have 100 gallons of water. You could use all of them to water a single water intensive plant that will feed one person, or you could use them to water a whole farm that will feed a community, and also let people drink and bathe and stuff.
The resource is limited.
Sure, we could try to get more of the resource and make it less expensive, but we should also not squander what we have.
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