I agree with a good portion of your post except for the part where we are meant to be god like, running over enemies isnt fun for me personally i like it when they take a few hits to go down. Its why i wish they would implement a world difficulty setting like in diablo 3 so the people who wanna blast through like a god can do so where as people who want a challenge can get one. If they were to do it i wouldnt even want them to adjust how much loot you get for the extra difficulty instead they could increase xp gains, stats on armour and masterwork level of weapons. That way people wouldnt feel forced into playing on a difficulty they didnt like and everyone would fall into their own levels and enjoy the game the way they want. If people were in a fire team the leader would have control over difficulty for the group so everyone experienced the same activity and also so you dont run into a situation where 2 people are set to max difficulty and 1 isnt so the 1 can farm kills for drops for the other 2.