Wednesday Boy
The Nerd WhoFell to Earth
Their RP style simply does not work with D&D.
And while many people bash those two as paranoid, they are imop just overly cautionous in a game where, as Wednesday boy puts it, "requires the main characters to be especially curious (arguably wreckless and/or idiotic) for the story to progress."
"Chaerge!!!! in the name of loot and XP", thats the how most D&D adventures, bought or self made, play out.
I don't think that requirement to be especially curious and willing to take risks is specific to D&D, I think it's a requirement for any story with conflict. If Luke wasn't curious enough to seek out the hermit Old Ben Kenobi, there wouldn't have been a Star Wars. If Jimmy Stewart felt awkward about snooping, there would have no Rear Window. If Romeo and Juliet would have heeded their families' wishes to stay away from each other, there would have been no Hamlet.
My point is, regardless of the genre, setting, or system there's an obligation of the players to make their characters curious and take risks so the group can tell a story that's worth telling.