Keep in mind that this is a video game. It wouldn't sell as much if the game was just a simulation of your life helping people. Why spend $60 on that when you can do that for free, and have that warm feeling of you helping actual people.
In both Oblivion and Skyrim, enemies can be beat with a little attack-retreat/heal-attack strategy. It may not always be full frontal assault but it can be done. By the way, I noticed that dragons are much easier to defeat than mammoths and giants. Anyone else get that?