I've played plenty of games where I haven't unlocked every NPC's backstory or every NPC event. Baldur's Gate II being a prime example. I've played plenty of games where NPCs didn't even have backstories.
Min/maxing has nothing to do with it. The apperance of numbers is a discrete and obvious reinforcement. The more obvious/immediate the negative consequence of an action, the more averse to it people tend to be. The less obvious/immediate the consequence, the more likely they are to ignore it. This sounds like the root of your complaint.
It's operant conditioning. The presence of a - serves as a positive punishment (especially when the consequences of the - are obvious). Reloading occurs because that behavior [reloading] becomes associated with replacing the - with a + and the replaced + comes to serve as a positive reinforcement of the reloading behavior.
I actually think I'm not explaining it well. Basically, people viewing the + or - symbols are given feedback that either punishes (-) or reinforces (+). People, in games, typically aren't very keen on punishment. So, it's often better to either not punish for simply mistakes (people come to expect punishment for big mistakes, such as mistakes that expectedly lead to character death) or make it not so obvious that you are punishing. I'm all for keeping the system and just obscuring the punishment because I think it helps to make the character interactions meaningful.