Has anyone heard an explanation?
I don't really understand why one is needed, or why this is supposed to be considered irregular? Don't most games end? It has a story, the story is done. There's games like the GTA series where you can keep playing afterwards, but I found that to be stupid... you've risen to the level of kingpin, you've killed everyone, and people are still giving you a hard time? Same with in Saints Row. Why is some low level pimp harassing my character, I run the entire city!
I would guess most games in general with a story have an ending you can't play beyond. If you think of this in terms of a FPS, does Halo not end? You can't play after the story is over, you start again or go play multiplayer. If you think of it in terms of an RPG... LOTS of RPGs end. Also, I haven't played through FO1 or 2, can you just keep walking around the wasteland after those two games are done? You don't keep playing Kane and Lynch after it's over, same goes for Shenmue, any FF game I ever played (I haven't played one in quite a while so correct me if I'm wrong there), etc. It has a story, the story has an end. You can't keep watching Avatar after the credits... you can't keep reading a novel beyond the last page.
Also I have yet to see one legitimate reason why these people who just want to play with one character for 200 hours can't just save at the point where you haven't sided with any one faction, and just go and do everything you want to do there? That's what I did. The only thing you miss out on is discovering ONE location, and there's a specific weapon carried by the leader of one of the factions that's worthless getting since you can't sell it. So, is that what everyone's complaining about? A map marker, a weapon, and maybe a piece of armor? If so, I wish those were my biggest issues in life