Some of the greatest video game settings out there _do_ ask those questions, though. My favorite example of this are the #ElderScrolls games, which have massive amounts of lore which might not necessarily be relevant to the plot, but which do wonders for player immersion - one day I want to do a "Let's Play #Skyrim with a Folklorist" stream.
(Incidentally, this is one of the things where I thought that #Starfield fell flat.)
Another good example are #HorizonZeroDawn and #HorizonForbiddenWest - there was a staggering amount of thought put into both the vanished world of the "Old Ones" and the various tribes of the present.