For story based reasons, scumming is good as it lets you explore all the content in the game. You can pop back and see what happens if you do X stupid thing you'd never do, and then pop back to your actual save. It's fun and kind of the point of choice-and-consequence roleplaying games to have stuff like that.
So penalising it, is just penalising players for exploring the game content.
This. There is close to zero games in the world (nothing comes to mind) that I have ever played through again fully. So during the one and only playthrough I explore all the converstation options available. That means gazillion of reloads during content rich games.
This my personal opinion of course is that saving should allowed everywhere (no problems here) and loading speeds should be optimized (problems here). And should Larian change anything because of this? No.