> How can the game be acceptable or fun when cars run on tracks and NPC’s don’t have a problem being attacked?

This is a minor problem, NPCs are a background, so it is nice to see that they have a brain, but it is more like "cute" not "OMG".

E.g. notice that in Witcher 3 you couldn't attack non-enemy NPC (e.g. you couldn't kill everyone in a village).

Big problems are bugs in quests that don't allow finishing them or a story that doesn't allow choice in most cases.