It is a psychological thing really, if you fail something and it has dire consequences or little reward there is a huge incentive to reload unless you are a rather solid fellow. So it is curiosity and the fear of missing out on something. Also sometimes, especially in dialogue, it is not quite clear what a check or option is going for. Is it just additional information, or a totally new way of solving a task. Mass Effect is horrible in that regard (Fallout 4, too), you choose dialogue with keywords and the tone of the answer might not at all fit to you, and it could result in a fight that you did not want or in a conclusion that you did not want and could not see. BG3 has a couple of those as well, an innocent skillcheck might totally block other information that you wanted to obtain, end the conversation altogether, or initiate fight.
On the other hand they use the checks on a large scale in a not fully transparent way, and to reach a certain goal you might have to pass three checks on different or the same subject, which makes succeeding rather hard. You could argue that saving and reloading is intended, but it does break the immersion and the gameplay flow a fair bit.
So there are multiple ways to tackle this: Making choices clear, so that everyone understands the consequences at all times. Give hints to possible other solutions. Make the prerequisite clear: Show all modifiers of a skillcheck, both positive and negative. Make sure there is a decent reward and/or conclusion to all ways. You can also have hard limits on trying a certain check, so you miss out, but are not incentivized to reload ten times. You can allow multiple ways/skills to pass a check, sometimes with a 100% chance. Like solving something only a Drow would know.
Nettie is a great example of doing things really wrong: If you want the peaceful/good solution you will have to pass 2-3 checks, or kill her. These are obvious, but the good way is incredibly hard. What you might not know is that you can also use a cauldron to brew your own antidote and you can steal it from her. You might also be able to just go and get healing elsewhere.
