But before those stopping points, it all gets a bit worrying. That the churches preach to the peasants "This is your lot in life, be content with it.", while ressing the rich and powerful.
That most of the higher-ups stay dead does show that maybe there's something to it. When you can literally talk to dead people, or travel to that plane and ask in person, heaven probably makes a lot more sense. It really is pretty damn good, and it tends to be the BBEGs that get into necromancy and being raised, because they really don't want to stay where they went. And it has to be a pretty extreme reason for a good guy to want to intercede if it's new business that hasn't got much to do with them.
Good guys:
"Hey Tim, sorry to interrupt your existence of eternal contentment, but we've got dragon problems again. In a dungeon. Should be pretty easy. There's riches, fame and bitches in it for you as well."
"What? Fuck! Again? Ok then, but this is the last time! In fact, nah, fuck ya. You sort it. I'm not leaving this awesome place to travel to your tiny, little, shithole world and sort your problems in some dank dungeon. Not my problem, bro. I've done my bit, that's why I'm here. You deal with it."
Evil guys:
"Hey Tim, we've got an immensely dangerous thing for you to do that will have you reviled by gods and mortals alike. It's nasty. Something to do with a dragon in a dungeon. You can keep the dungeon afterwards, but it's a bit leaky and there's some back-rent to be paid. A lot of back-rent, actually."
"Yes! Please. Anything! I'll even pay you. Anything you ask! Just get me the fuck out of here. The pain........."