Yeah, this used to bother me, but it's an MMO. Most people are in for the xp and the wasteland is harsh.
I think for most MMO's this would be the case, but the fact that many of us are still here after almost a year proves that either we just enjoy killing everyone we see or that we actually enjoy the atmosphere and the characters of the Fallout universe. While the former may be the case for some, the latter definitely plays a huge part of this game. But yes, this game does still need more intriguing characters. Hopefully through this contest, we'll get some people who are not only willing to make quests, but to also contribute just to the character dialogues that don't give you anything but entertainment.
EDIT: Question. When submitting a quest, do we specify which NPC it belongs to in the dialogue editor, or do we just specify once it is submitted?