Oh, one other way I've seen of handling this sort of thing:
Allow the player to "invest" something in NPCs.
In D&D I've no idea what would be appropriate, but in Arcdream's "wild talents", they have something called willpower (kind of like action points in some ways, sanity points in others), that refreshes at the rate of 1/night of rest.
If you choose, you can invest some of it in an NPC or a community. Whenever you interact with that NPC or community in a positive fashion, you gain back however many points you invested. On the downside, if the NPC or community is killed/destroyed, you'd permanently lose all the invested willpower.
I suppose maybe something similar could be done with action points or surges if people had more per day, or they recovered more slowly.