I think the biggest loss here (Score 1)

is the waste of time. The utter sheer waste of time. I played NWN almost every day for something like 3 or more years, as much as I could. I look back at that time with regret: I put aside my family, my friends, my other interests, and wasted a good 2 to 3 hours a day. It was filling a void, making me feel like I had control, giving me a feeling of worth. What did I get out of it though? Maybe a lesson about addiction, but really I got zilch, nothing, and a chunk of remorse.

No, it's not entirely the games fault, but just like some drug addiction it can really grab people and hold tight. Especially if there are a group of people you interact with who feed the desire to gain fake glory.