Disagreed, we have to take in mind the bijuus affection level, and the mechanics behind the bijuu extraction/bijuu insertion.
How can you ensure me that inserting a bijuu back "to stop death" does not depend on the affection level between bijuu and host? This kind of logic could seem far fetched, but hey... that's how bijuu mode can be unlocked, so it's not farfetched... almost all good 'benefits' of bijuus depends on affection, or exchange to some extent.
Also, if Kushina had her plan followed, then she would have died anyways. She said so.
Let's put things right:
She was almost out of chakra:
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She had so low chakra, that if she used that chakra to put the Kyuubi's back, she would have died:
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She was bleeding even before the Kyuubi's claw. And Minato was in a similar state, almost without chakra left:
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And also, bijuu without affection drains the jinchuuriki's chakra when using its chakra. This doesn't have anything to do with Kushina except the fact that if she used the last bit of her chakra, she would die anyways.
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So... if we put things in a balance, Minato found a definite solution to their context. Kushina's solution was just temporary. They both got impaled, but this was just an acceleration to the unavoidable.