In my opinion the problem is that most of these radiant quests train you to follow the arrow. As if that wasn't the case in TESIV already. If there were more life in inns and pubs, I'm sure more people would spend more time there and get to know all of these optional workarounds. People aren't to blame they don't know when there's absolutely nothing to do at an inn except for the occasional bounty quest, after doing dozens of miscellaneous "follow the arrow" quests. I haven't found any feeling of depth in these and it's a bit of a surprise when you're actually presented with options in this game.
What worries me more is that it turns out true you have to join guilds nonetheless to find all Words. So in the end you're forced to do so anyway.