Honest question: So you wouldn't mind breaking quests, even the main quest, by killing some essential NPC?
Devs can think that little bit harder and come up with a workaround system. I imagine a team of devs sitting around a table, hitting themselves in the head because they can't comprehend how to work with killing an 'essential NPC' so they all throw their documents in the air, hop up on the table and hunch over, screaming like a bunch of apes.
If they honestly can't find a way around it (it really wouldn't be that hard), then why do it in the first place.