I don't know how autistic you have to be to make an argument like this about a parent losing their child being more realistic, to say nothing of how every early dialogue choice you have early on is "MY SON OH FUCK MY SON WHERE IS MY SON THEY TOOK MY SON!"
Every
early dialogue choice. Then you can basically not care about the brat later on because your search obviously ran a brick wall and you now have to deal with the fact that A) an occupying army of power-armored yahoos is on their way to the Commonwealth, and B) people are getting kidnapped and replaced by clones of themselves.
Meanwhile, it's even more unrealistic for the Courier to faff around and NOT deliver the chip, since in their possession is a notice that says that they are liable for the package they have, and if they don't deliver it, they can be branded a criminal and have mercs come after them. Also note that this is the world of New Vegas, where even the goody-goody NCR boys just shoot criminals in the face after the Powder Gangers rebelled. Getting branded as a criminal in that kind of society is quite literally, a death sentence.
You can just as easily 'roleplay' a courier who doesn't give two flying fucks about the threatening letter or your job, and getting the chip back is going to require you to be well-equipped, which would naturally lead you to doing some odd jobs on the long trek to Vegas. The level of investment or plausible deniability is completely different.
If they don't give two flying fucks about the job, then why would they have taken it in the first place? Also, I highly doubt the mercenary teams would give a flying shit about your excuses; they'll just blow your brains out, because that's what they're paid to do. Of course, this never happens, because the last time Bethesda tried timed quests, it was a disaster in Elder Scrolls, so I highly doubt Obsidian would go for that measure of "realism".
Sure, if you're a complete psychopath of a parent (which the Sole Survivor is explicitly written not to be, they are clearly deeply invested in discovering and recovering their baby, regardless of how you play them otherwise)
You can wind up waging a war on your own son and killing him if you wish to. And again, that's more realistic than some courier who took up a job delivering a package and knowing about the rather lethal consequences of failing it, then not caring that the package got away. Especially since some parents today are complete psychopaths, even ones who talk like they care about their kids, so that is realistic.
The realms of legality and the extreme moral compulsion of a parent who has had their child abducted are in two completely different spheres.
Legality in the Fallout world, especially in the time of New Vegas, means "you're a crook, henceforth, you'll either be killed or be enslaved."
Again, you just want to bitch about how bad Bethesda is while forgetting that Obsidian makes similar lapses in logic. Fallout 4's story is barely worth comparing to New Vegas, but to say that Fallout 4 is bad because it's unrealistic isn't fair when ALL Fallout games have varying degrees of being unrealistic. Even New Vegas. As wonderful as the game and its story are, the latter still has enough holes to fly the Prydwen through, like all Fallout stories.
From the start, Victor knows Benny took the chip, yet why House hesitates is beyond me. House can easily pay off Benny's second-in-command to kill him and take the chip, or send 20 Securitrons out into the Tops and force them to hand over Benny, or else. And don't tell me House cares about the delicate balance of the politics between the Three Families; the dude outright orders you to sort out the Omertas, and he barely even cares. Why Victor and House even wait for some dumb mailman is beyond me; they have the firepower, they have the legal authority, arresting and torturing Benny until he hands over the chip is well within House's power.
And that's not even getting into how the Legion runs, or how utterly retarded the Brotherhood is.
You can also tell John Nash that you lost the package and he doesn't flip out and tell you you're about to face criminal charges or that mercs are going to get you.
Why would he care? He's not the one getting charged as a criminal or having mercenary teams go after him.
You also find out that Victor is the one who set up the job and he likewise doesn't threaten you. If the developers really wanted to light a fire under the player's ass about getting the chip OR ELSE then those two would have been the vehicle to do so.
They might have, but the last time Bethesda added timed quests in a game, it was a mess. So yes, you can faff about and do all the DLCs before even getting close to the vicinity of New Vegas, even though that's unrealistic as all hell. I mean, shit, that's what I did. By the time I got to New Vegas, I had DLC weapons up the ass and enough money to just waltz right into the front door. But in my roleplaying, I justify that by saying that the original Courier 6 already got stung to death by cazadores, and the person Benny shot in the face was someone whom Courier 6 passed his package on to before he died from cazador poison.
Literally the only thing that threatens you about not completing the job is a boilerplate "plz finish job" clause in a contract, which is likely a toothless threat given that this is the wasteland and you can pretty easily disappear.
Not when people with money are looking for your ass. It's rather easy for say, Caesar's Legion or the NCR to find you if you cross them. Shit, even the Brotherhood, who are hiding in the bunker with their thumbs up their asses, can still find Veronica and kill her co-workers if she joins the Followers.