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I think you meant to say 0%, but you can't be dead, or else you'll be denied
depending on the version you're using, there's probably negative HP stuff going on that might be a better reference
https://www.dandwiki.com/wiki/Negative_Hit_Points_(5e_Variant_Rule)
after a bit of reading, this is probably the punched up text
... at or below 0 HP or in unconsciousness, any successful death saving throws result in automatic denial of claim
America inspired dnd setting but that’s basically dark Sun