There though was the Courier would have the securitrons keep the Strip and possibly Outer Vegas safe as well as the borders of the Mojave and then have no other involvement with the Mojave besides adventuring and occasionally helping out or hurting people himself.
TBH, I don't think it matters what the devs intended the Independent ending to be, because the fact is that it is left open ended enough from in-game evidence for one to determine that the Courier could do, essentially, whatever the hell he wants, including setting up his own government in the Mojave. IMO, in-game evidence actually
points to the Courier setting up his own government rather than allowing the Mojave to degenerate into anarchy.
That's different IMO, it was in New York with no connection to previous lore.
And I make ideas based on some Fallout lore, just not directly to the games.
I disagree, as a fan-fic written within the lore of a game can do a few things that are quite creative:
1.) It can show the ill effects of an event or faction in a way that most who play the game wouldn't think of.
2.) It can express a theme within an environment that is never explored in-game, and it can gain depth by cleverly utilizing different aspects of the environment in which it is based to further that theme.
I should also point out that by your logic, all games/works inspired by D&D and its respective campaign settings (PS:T comes to mind) would be "on a crutch" and non-creative. This would also be true with D&D itself to some extent, since it was largely inspired by J.R.R. Tolkien. What I'm getting at is that "creative" content doesn't have to be 100% original; it can be inspired by/spring-boarded by other content while still being extremely creative and interesting. In fact, human advancement itself consists mainly of ideas and concepts that were spring-boarded off of past ideas -- and the new ideas often maintained certain aspects of the older ones. So I don't see writing that is inspired by the lore of a game/book as being "on a crutch" creativity wise, but that's just me. It's possible that we just view the concept of creativity differently, of course.