There is no good way to prevent save scumming that isn't detrimental to player experience in some way. There's also no good reason for players to save scum if they don't enjoy the game as much when they do it. If you feel reloading an old save whenever you fail makes the game to easy then just don't do that.
This isn't even a balance issue. The gameplay features are what exist in the actual played space. Faerun. Your characters. Etc. The save system is a quality of life mechanic designed to allow players to continue a game from where they left off or to allow them to prevent a loss of all their progress on a party wipe. It is therefore not a gameplay mechanic and should not be factored in to the game's balance or discussions of it. Players who make the conscious choice to abuse this non-gameplay mechanic to gain easier victories are doing so knowing full well it isn't how the game was meant to be played and the only people responsible for that behavior are themselves.
Complaining about save scumming would be like getting mad at Hasbro because your friend burned all your Monopoly money so you couldn't pay when you landed on his Park Place. It isn't a part of the actual gameplay even if the money is technically flammable as designed.
Yeah, I mean, what next? Complaining the code is too easy to access and mod once people start modding themselves to be more powerful?
