...some people demonstrate by their actions/posts that they just don't care how their playstyle affects anyone even when it's obvious from the forums and from someone's loadout that they aren't looking for combat...
Nailed it. +1
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No-one has to be the bad guy - they choose to be and justify it with the premise that there is a need to be fulfilled.
Struggle and loss are able to be found with the increasingly capable NPCs.
^ This exactly. People who consider themselves to be "doing the game a service" are no different from those solicitors you ignore who knock on your door every day, IMO.