If you want to save scum it is your own fault.
Well if you can do it, it's pretty hard not to do it! I did it alot in DOS and I hated myself for doing that but I just couldn't help myself ^^
Never found it hard: My friend and I save before a fight, and if the fight goes downhill we start from the beginning to try a different approach.
Sometimes we save in the fight, but only if we want to try something really crazy and have no idea how it will work out.