Almost a self-creating issue, really. The group acted that way when it began, so when it first started and I was the DM that's how I had to make it work. The other players saw this, and expected it to work that way when they DMed, so they made games with that mind set, and in response I played to that game type
Honestly, the most fun I've ever had in that group was when the other rules-savy player I mentioned came up with what amounts to a survival-horror scenario, and actually pulled it off