Most of the guys playing at or near 100% realism play DID, dead is dead. This means that if you get killed then that's all she wrote...career over.
I'd imagine most of the shooters, arcade players and those just starting out in the game simply reload as starting a fresh career is extremely time consuming and most often quite boring.
As for Bernard, well, he's the guy that's always to blame for bad thing's happening. Since it's "never" our fault we need someone to blame and Bernard fits the bill.
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Nuke 'em till they glow!
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