Save Scumming is always a problem.
Loading means that the game and the player drifting apart.

Thats why other games have XP per Quest and not XP for kills to minimize the tempation and control the Player Level.
The same with a Traders and no random goods. Because the player feels punished with a only bad offers.
Thats why social skills and magic never works when competes with combat magic because the people will have Tradeequip or Sleep to learn a Open Lock Spell because time is no factor.