Explain to me how Bethesda failing to account for the skill bonuses that they themselves bestowed upon character creation when they scaled the difficulty settings for the game is in any way the fault of the player.
They didn't. In fact, they over calculated it is probably closer to the honest truth. There is a perceived story arc for a character, and its normal, from theirs, and quite of lot of players, to be reaching character climix at about level 40-50, based on the monster level cap, for the stories that character would tell. You aren't really supposed to be archmage, master thief, companion leader, thane of all skyrim, leader of the dark brotherhood, stormcloak saviour all at once. That being said, I agree, they maybe over calculated it, as you are powerful slightly before is optimal for the majority of players.. but I wouldn't like to be responsible for that calculation.
They didn't really build the game for a single character pushing the levels as high as they can go. By level 40-50 you should have mastered some skills, and therefore have the abilities to overcome the challenges that the story presents, which would have initially seemed unsurmountable. Heros Journey.. you know, story, believable story arc etc..
Now before anyone gets their knickers twisted, obviously this is not how every player plays. But its really is just optimisation, but story optimisation instead of skill optimisation and thats the crux of the argument, which should the game focus on.
As a side note, on story optimisation, there was a reason that D&D adventures, when written and sold, advised a "suitable for levels 8-12", or for grander adventures, "suitable for levels 6-16". Skyrim really should just come with a sticker that says "suitable for levels 1-40"