Amulets

Death in Ferdarchi can be permanent. The only way to prevent this is to have an amulet. When you die your soul is saved, and placed into stasis within the amulet. You lose no skills, and can be reincarnated into a new body. (Destroying the amulet in the process, they are a one time use item) If you are killed you can survive even if your body rots away. Just wait to be found and you are walking in no time.

Amulets are expensive, rare, and hard to get. You are penalized by dying with an amulet as you must procure another one. But without it you run the risk of perma-death and starting over financially, socially, and skill wise.

The very first thing you should save for is an Amulet. Sleep in the streets, live like a pauper but save up for one! Without it you are one mistake, one fight, one mining accident away from obscurity and starting over.

The only downside to an amulet is that when you die, you can't do anything. No death tell can be sent. If you go exploring, notify someone, if you are dead they can go and find you there. Oh, and you have to pay for the reincarnation into a new body too, not cheap. 

Amulets tend to keep you cautious. If you spend a month saving one for one you don't want to lose it stupidly. This will breed a definite conservative streak and your lust for adventure will be toned back. Money is hard to earn, and earn it you will.

Later in your life you can perform quests and find amulets, or try at least.