delericho
Legend
"When is a lack of a bonus a penalty?"
When, due to the circumstances of the game, two characters lose the use of their bonuses, and one has a far higher bonus (and so more to lose) than the other.
See the rules for being flat-footed in 3e for a really good example.
As for the ability score adjustments in 5e... IMO they've managed to get into a real mess with these. It's probably way too late to do anything about it, but they probably should revert back to humans not having any bonuses, and give everyone else bonuses and actual penalties. (And, in fact, my preferred solution would be to get rid of all ability score adjustments entirely, but that's not going to happen, certainly not with 5e.)
When, due to the circumstances of the game, two characters lose the use of their bonuses, and one has a far higher bonus (and so more to lose) than the other.
See the rules for being flat-footed in 3e for a really good example.
As for the ability score adjustments in 5e... IMO they've managed to get into a real mess with these. It's probably way too late to do anything about it, but they probably should revert back to humans not having any bonuses, and give everyone else bonuses and actual penalties. (And, in fact, my preferred solution would be to get rid of all ability score adjustments entirely, but that's not going to happen, certainly not with 5e.)