We've briefly touched on this in another thread, the idea that since NPC's can randomly interact with each other that its possible fights will start out that have nothing to do with you.
Except that, again, it's completely wrong.

If they aren't programmed to say choose a number between 1 and 5, they won't say one of those numbers. So what you're really complaining about isn't the fact that NPCs
"do random things" that lead them into danger, but rather, that appropriate, life-saving choices have not been programmed into them as options.
Which is a definite problem, just as it for assisting NPCs and summons in Neverwinter Nights, and just as it was for summons in Morrowind. It isn't the problem you've labeled it be, though.
