something that has bugged me for a while is you could never have anyone guard your house... am i supposed to believe there is no crime in town that would steal your valuables?
This is something that may make real-life or even roleplay sense, but it makes very little game-sense. The reason is that most players want to use their house as storage, but they'll most definitely stop doing that if there's even the slightest chance that it'll get removed.
Players generally need to feel that they can have a base of operations that is untouchable to anyone but themselves. IRL, you can do that by using a secret hideaway, but that's not been possible in an ES game (unless they specifically design it), nor relevant to the bigger picture. This really touches the core of the problem - what does the possibility space (the sum of everything you are able to do in the game) allow? The more possibilities, the more resources they need to design the game.
All in all, it's a minor, unimportant feature that many people, even some devs, would WANT to have in the game - but it's not happening (due to other priorities and development limitations). There are so many things that need to "click" and adding such a feature would require more work that what you'll benefit from it. As such, Bethesda is always very kind to us by releasing the Creation Kit (in Skyrims case) so that modders can add this to the game, if they want. Same fate on many other things that are too niche-based to waste any precious time on during game dev.