I can understand your frustration but in all honesty spellcasters are notorious strong in D&D and the mechanic is working faithfully to pen and paper. You can take just as much chip damage in pen and paper.
So your DM plays with the "Fire bolt creates a fire surface on hit or miss, take an unavoidable 1d4 burning damage now and at the start of your next turn" rule? I assume he also gives all the goblins acid arrows, fire arrows, and Alchemists's fire as well, and fill the encounters full of explosive barrels (no save to avoid damage)? That's fascinating, tell us more.
