I will not argue you on either of those points, my good man.

There are beggers hounding you for single gold coins while surrounded by boxes and barrels full of produce which are worth rather more than that.
There are NPCs going through caves, leaving dead enemies lying behind... completely unlooted.
NPCs and wild animals alike will respond to any slight by attacking in a suicidal fury.
EVERYONE has a magicka pool, but only mages cast spells.... more severely so in Skyrim than previous games.
Guards taunt and insult player characters orders of magnitude stronger than they are and capable of caving their puny heads in with a single hit.
And this is just the tip of the iceberg where stupidity is concerned.
Tamriel has always been full of ways to become rich and powerful, and millions of people too damned stupid to figure out even the most rudimentary of them.