As any cruel and sadistic game master can tell you (and aren't they all cruel and sadistic?), there are far worse things that can be done to a character than just killing them. Changing their sex is just one of the more amusing possibilities.
Of course, some players always seem to gravitate towards towards this particular "curse." Here are a few references I've run across that might make it a little easier for them to arrange an "accidental" change.
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