Lemme guess... The twist of To The Moon is that the old guy is Wernher Von Braun?
As far as too much loot, I do agree that Torchlight and Borderlands give out too much loot but not in the way it's described. Loot SHOULD be varied, equipping a new piece of gear SHOULD change the way you play but TL and BL2 just hand out too many "rare" items. In Diablo 1 and 2 it used to be an event to find a rare or unique item (D1 only had the uniques), in TL and BL you get so many green and blue items you really lose all sense of wonder from those. The rarity made D1 and 2 easier to handle, while loot could be rather varied anything that's not at least magical isn't even worth it as vendor trash and anything rare or unique was pretty much always worth it if it fit your playstyle.
Now loot variety is a different matter. Diablo 3 showed the perils of simplifying that. Loot came with a DPS or defense rating and the higher the better. The special attributes only consist of increasing the four basic stats you invest your stat points into so all you got from a new piece of loot was a minor statistical upgrade that you wouldn't even notice if it hadn't rubbed the numbers in your face. Borderlands 2 does variety right, there is far more to each weapon than just raw damage. On a basic level you got elemental attributes which change what enemies you'd want to use a gun on (and they're broad categories, fire is for flesh, acid for armor, lightning for shield) so it's not just rare elemental weaknesses you're exploiting. Then there are the manufacturer specials (Jakobs has no cooldown between shots and is semi-auto so you can hammer the trigger like mad, Hyperion has inverse recoil where MORE shooting improves accuracy, with Torgue everything explodes, etc) and other attributes like multi-shots, scopes, crit bonuses, E-tech (changes projectiles to stuff like laser bolts, homing darts, rockets, etc) and sometimes just plain insanity: I found an orange level Tediore shotgun, it's rather mediocre on its own but as with all Tediore guns reloading it consists of throwing it away and pulling out a new gun. Except this one doesn't just fall to the ground and explode, it flies through the air, chases after enemies and attacks them with remaining ammo before exploding on impact.