Well for that a little imagination is needed. Just like in the TES series and other Rpg's. Npc's are just supposed to be regular folk, they are quite weak and really not the adventurous types. it's really quite amazing that they even exist as everything in the outside world can kill them in one hit. Is it no wonder they never get to the grocery store?
On the flip side of that.
You'll travel to a town that is supposedly starving and not well defended.. yet you the hero can sift through their barrels and trashcans and find food, weapons and money. If you empty that container, in a few weeks it'll be full again with more food, weapons and money... yet everyone in the town still needs you to finish that quest where you find them four pieces of meat. (because that's apparently all they need to survive forever.)
You'll meet npc's that have braved the outside world and are supposed to be tougher and smarter than you that can train you to be as good as them.. even though you could kill them with a flick of your wrist.
You'll find raiders and bandits that have enough ability to take over some spooky dwelling but for some reason they haven't at all explored the area that they've set up base in and found the mysterious powerful treasure that simply sits on top of a pedestal or is in a box at the back of the complex.. Instead, they supposedly conduct raids on nearby settlements.
In every RPG there's at least one quest where someone gets you to defeat an enemy that they can't defeat... and then they try to kill you after you just defeated that enemy they couldn't.
Enemies in rpg's progressively get stronger and stronger because.. ummmm..
It's up to you the player to kind of pretend that everything in the world is feasible and makes sense.. because in reality. Nothing makes sense in any rpg.