Really? Which players? How often? I've been GMing for a long time and don't recall ever seeing it.
This is a fairly strident way of paraphrasing the post you quoted, which referred to
restrictions on the player that the player finds illogical and cannot be simply reconciled away AND these have fairly large repercussions on how the game is played.
@Hussar has given a clear illustration of his point: swimming in armour. Suppose that a D&D game (or, for that matter, a FKR game) is emulating Aragorn's capture of the corsairs' vessels and subsequent piloting of them to the harbour south of Minas Tirith so as to help relieve the assault from Mordor. The GM describes the boats approaching the docks, and then the player of the Aragorn-esque character describes their PC unfurling their banner; and then the GM describes the enemy soldiers on the shore unleashing volleys of arrows at the vessels. And so the player - worried that the arrows might hurt the NPC sailors and soldiers, but confident of their PC's ability to take on some 0-level NPC archers - declares that he leaps into the water and swims/wades to shore.
It's not absurd that something like this should come up in play; it's well within the scope of mainstream fantasy adventure. It's also, in my experience, not something likely to arise in "session zero": I've never had a player ask about how swimming in armour will be adjudicated at my table prior to it actually coming up in play.
There are any number of ways a table might come to a consensus on what happens to the armoured warrior who tries to swim/wade to shore. They don't all have to involve unilateral GM authority. If the GM calls for some sort of check that reflects the PC's strength, agility, and/or proficiency with armour, that would be "negatively impacting" the PC - ie it renders full success less than automatic - but hardly seems likely to provoke a "rage quit".
On the other hand, if the GM just declares "You sink to the bottom of the river and drown" - which I think is the actual example that Hussar gave - that strikes me as terrible GMing. The idea that a seasoned, heroic warrior wouldn't have a general sense of their ability to swim/wade to shore while wearing their battle harness is just absurd (or "illogical" in Hussar's words).
Why do it preferably in game? Why are we assuming that an Aragorn-esque character needs
omens or foreshadowing to know what is physically possible for them while wearing amour?
But also, why is the GM's conception of what is possible to be done while armoured to be given priority? There's an obvious answer to this in the case of free kriegspiel - the referee is an expert, who is leading a training exercise. But given the wildly different purpose of RPGing, even RPGing with a wargaming flavour, I don't see the rationale at all. Table consensus (whether or not mediated via rules) seems to me the better way to go.