Perhaps it is just my personal experience, but I've seen many GMs and Players alike over the years avoid negative effects (from social skills and other stuff) on their played characters like the plague. As a GM, I do my best to play my NPCs fairly and accurately according to their knowledge, capabilities, and personalities, not on how I would like the story to go or what I want their fate to be in the moment. I would very much like Players to do the same with their PCs, and while I'm aware that varying knowledge and potentially high investment can make this challenging for the Player, I still think that should be the goal. I'm not asking the PC to give up the "hero" business because an NPC critted their Persuasion check. But acting in accordance with a failed Insight check the Player initiated to determine trustworthiness? Being intimidated by an intimidating situation (as determined by a die roll that takes all those little things we have to abstract into account)? I don't think these things are too much to ask. Not at my table anyway. We all play differently, and how you do it is just as valid for your group as how I do it is for mine.