Don: I thought we covered this. I am running a novel, that has a bunch of primary actors who don't have scripts and keep changing the outcome. That isn't to say (and I reiterate this so I don't get flamed) that D&D, the core concept of murder/loot/improve/rinse/repeat isn't valid; but it isn't what I do, and my players know that. When they sit down, they know precisely what they've gotten themselves into, and are so engrossed in the story that the only thing we've discovered is that D&D isn't flexible enough for them to do what they want.
That's not an indictment of D&D, it's just my oil hitting canvas; it looks different when it dries than when it was wet. So you have to remix the paint, which is time consuming. I want to get to a point where the paint can be adjusted with a hint of white, instead of having to redo the batch, which is often how D&D feels.
HERO does away with part of that because you have to burn points to hold onto loot, according to my current (grossly limited) understanding of the system. That works out MUCH better for what I'm doing than a D&D structure where my wizard has 5th level magic and can start twisting reality in uncomfortable, game breaking directions. In a Wealth Management structure, I'm supposed to outfit the PCs to keep them on pace with the Wizard so they can go kill the next dragon and loot the hoard. But that isn't what I run, so it makes the whole not cumbersome, but down right useless.