Hmm... on the one hand, you talk about moral issues in the game... and on the other hand, you talk about saving a game before a fight and about saving everyone's lives just for the benefit.
Well yeah, thats what I said I don't want. Actions will have consequenses (or at least they should).
But I wouldn't want the game to punish me or limit the gameplay because I made some choices.
(In a way it should offcourse but I wouldn't like killing an important NPC without even realizing it)
But if the rewards for saving someone's life get too big it takes out the morality.
So I think it should all be random who gives a reward and how big it is.
(and who tries to attack you again after you just kept them alive)
That will also increase the replayability of the game.
Oh yeah and if I catch a bad guy, I want to be able to tell him that if I ever catch him in this town (or part of the world) again,
I will kill him or make him regret he came back or something similar.