MFKD
By itself, Oblivion is still a simplified Elder Scroll game, inferior to Morrowind or even Daggerfall.
But lets ignore that, F3 was a terrible SEQUEL, as in it was NOT IN THE SPIRIT, of the originals. It is no so much that Oblivion was shitty, (read above) so much as lumping fantasy into a PA game.
Sure F3 had talking ghouls but F3 also had RUNNING, 28 days later, Dawn Of The Dead, cheetah zombie, ghouls. THAT IS the problem. While Necropolis did have hostile ghouls, they were most likely part of Sets asshole faction with the occasional mentally unbalanced ghoul. Even then, they weren't 'zoombies'.
It doesn't hurt that much in the end, FOR YOU. Maybe you just don't care as much for spirit and accuracy to the originals as we do? It is not just un-realistic, I mean, carrying a mini-gun isn't realistic. The issue is breaking ESTABLISHED LORE. It is not only un-realistic but LORE BREAKING.
Even though I disagree, I can atleast enterain that we have understandable differences as the slaver argument could be construed as un-realistic, to take your side. Thing is, at the very least, the slaver situation in F2 did not break established LORE.