Imagine you're a writer for BioWare. And you're writing banter.
You pick or get assigned a character, and every day, for months on end, you go into work and you think, and you write. You think about the character's personality, you think about what kind of details would be interesting or humorous to talk about. You go back and forth with the art department, with other writers. You attend countless meetings. You talk to other writers endlessly to come up with conversations between their character and yours. You edit. You go back and dig through lore. You research topics on your own to try and make sure you get the details right. You scrap a lot of what you do. You talk to the other writers about the protagonist, about romance, about the central plot, and about dialogue that builds upon it all. And slowly, you grind out progress. And after months and months, you're finished. You've got dozens of pages, probably, of dialogue between your character and others.
You've almost certainly been doing this for months. Been going to work every weekday and spending a serious chunk of your time thinking about this character for months. I mean, unless you've written a thesis, I don't think any of us have experienced spending that long on a single project. A very long time and effort.
When it's over, you're going to feel pretty exhausted, yes? Exhausted, but hopefully satisfied with all the work you've invested into building this character. You've ran a marathon, but it's over with. You can turn your attention to something fresh.
The problem is all this work you've done, all the time spent thinking, all the effort you've put into building this character...it ultimately doesn't count for all that much. That sense of accomplishment is ultimately a lie. An illusion. After months of work, a writer is bound to feel like they've much more than they actually have. You've worked and worked, but all you've ultimately done is banter. Which can be nice, can be humorous...but banter is never conflicts. It's never qualities. No amount of banter is ever going to make a character smart or strong or powerful.
And so you get characters like what we see in Inquisition. Characters who have a whole lot of banter about all sorts of topics...and ultimately weak and shallow arcs. Because spending all that time on banter forces the writers to lose objectivity. To forget that the player doesn't see or appreciate all the content that goes through their heads. They're saturated with thinking about this character for months, and it erodes their ability to perceive that the player is only going to see and appreciate a small bit of it. It makes the writers too satisfied with the characters, too early because they lose objectivity of the difference between the theoretical character that's been living in their heads for months and the actual character the player sees and experiences.
Not saying this is their fault, of course. We all do this. I get up and go to class and sit there and zone out as often as not. And when I get home, I feel more satisfied with myself than if I had slept in and done nothing. Even though I objectively know I didn't learn a thing and I may as well have stayed in bed, it's an illusion, a perception that still holds.