When you’re living in a post-apocalyptic future, as you do in the Fallout series, you’re going to have disagreements with your neighbors.
Not only will you have disagreements with your neighbors, but sometimes your “neighbors” are zombie-like weirdos who try to kill you. Or robots who try to kill you. Basically, a lot of different people are trying to kill you and not all of them are “people” as we think of them in the conventional sense.
Also, your food and water may be tainted with radiation and the protective bunkers you inhabit may be overcrowded. It’s an awful lot like a subway ride during rush hour except that people—again “people”—are trying to kill you and the subway ride lasts indefinitely.
Aside from all that, the music in the Fallout series is pretty great.