I don't play too much in the way of action RPGs, but it's definitely an annoying thing that tends to pop up in JRPGs, though less so nowadays. Still, I do appreciate being able to dial the difficulty down as an option if I'm enjoying a game, get 30 hours in, and run into one of those two issues. If it's not an option, I'd just drop the game, but it gets annoying when you've sank in a month or so of free time, only for a game to pull that on you.