Your human opponents want to win: when one of you goes down to below zero hit points, they can expect to be taken for ransom or slain. Your monster opponents are hungry : If you go below zero hit points, you can expect them to start eating you (continuing to attack) Your human opponents are smart: You can expect them to use tactics, attack your "squishies" and concentrate fire. Your monster opponents vary widely in intellect : but they're still hungry. If you think hitting your characters while they're down is unsporting, this isn't your campaign.