also it's important to note that the only game you're citing as an example is a game liscensed, envisioned and produced by bethesda...same people who make skyrim. So i think it's a fair point saying that other developers just don't do this kind of work.
Envisioned and produced? No no, that's what Obsidian did. Bethesda literally said "hey would you guys like to make a Fallout game for us," Obsidian said yes and then Obsidian called the shots. They wrote the plot, they chose the location, they built the world. Bethesda provided the engine, many of the world items (carry-overs from FO3) and iirc, assisted with bug fixes and just with teaching Obsidian how to use the engine.
Anyways, maybe you prefer a game like Skyrim where you imagine up all your character's dialog and responses. That's fine, but not my cup of tea. Why? Because it's literally all fantasy. Your imagination is doing all the work. That to me, equals a crappy game. I'm not saying using your imagination is a bad thing, but when a game RELIES on the player having an imagination, yes, that's a bad thing. That just means the game itself is sloppy and lazy to me.
Sure, every blue moon there'll be a conversation in New Vegas where I have a question that isn't offered in dialog, or I have a response that isn't offered in dialog (and I literally mean once in a blue moon cause they did a really nice job of providing a nice variation of player responses), but how is New Vegas failing to provide a "proper" response (the response I want) any worse than Skyrim failing to do so? Skyrim doesn't even friggin' try, and therefore lacks so much content by comparison. Skyrim is SOOOO phobic of that blue moon moment that it ends up failing entirely.
Stop being phobic of asking the player to make decisions and provide us with the tools to make some, the game will be better for it.