Funny, but accurate. I'd rather time and money go into more important things, like the story and mechanics. I thought the NPCs on the Citadel in ME3 were OK. Their conversations added a bit more life to the world...until it inevitably looped back to the beginning, haha.
You are right, the story and mechanics are the most important things, but there is an other important thing: to feel the game.
For example, could you play ME without reading the codex? Yes you could. Is it good that there is a codex? Absolute, it adds a lot of background information, so you feel that the story takes place in a living, breathing universe.
There are smaller things too, for example, when you have finished a mission, you got a message from one of the person you helped. Is it necessary? No, the mission is done, but it gives you the feeling, you really helped someone.
To be carefully I say spioler alert, it is about a side mission in ME2. There was a ship wreckage (MSV Estevanico). As far as I remember it did not give anything to the story, but it was great to run around with the feeling that the wrack could fall down anytime. At least it was great for me!
End of spoiler.
Ok, back to the NPC-s. If you come to an NPC which do not act like a living person and a crowd which does not feel like a crowd, than I think it is done wrong and with the technology of 2015 it could be done better. For several years ago I was absolute ok with standing, sitting NPC-s, but now I think it is time for more and it would be great to see that in the my favorite universe.