Respec isnt there to help with the lack of skills, its there to avoid balance failures, funless builds, and game bugs. Unfotunately thats not a perfect world. As a direct example, coming from Divine Divinity, lots of skills there flat-out dont work(as in - do nothing). Even if youre Albert Einstein, it is possible to end up with a character w/o any working skill at all.(figuratively speaking) I agree it isnt very noticeable on easy mode though so some people may not have noticed it.
It isnt possible to "test" skills lost of them require specific conditions, and others do too little, so you'd have to make series of tests, (like 1000times of meticulous measuring) to get a noticeable result. Ofc you could read/search forums, test, save reload, of even dont spend points at all(?!) But thats the opposite of fun. Respec solves all the above problems.
Well all major-story driven RPGs dont have respec.
Mass Effect games have respec. I think thats a pretty major story driven RPG. So does Titan Quest etc. Console ports dont have respec, well they are made for consoles. Not sure, what games are you referring to?