An example of a character like this was a girl who was so emotionally screwed up that at the first sign of combat or even anything remotely stressful (ie what would considered an -encounter-), she dropped to the ground and curled up into a ball whimpering.
That's a totally valid concept, just not in D&D or PathFinder
. We have such a character in our Eclipse Phase game, and this behaviour is hard-coded into the system via a disadvantage she picked voluntarily.
We just don't count on her in fights, that's all. Her character is a blast otherwise, being really helpful in all tech-related tasks.
When confronted about her character the player defended herself by saying her character had more depth than anyone else's character and she was just RPing how her character was.
Yeah, that part is BS, even if she was roleplaying her character better than you did yours. The fact is, the PC doesn't fit the game.
Everyone was miserable but the one player and the campaign ended up (shock of all shocks) ending early because of all that. My question is this... was it the DM's job to somehow tailor the game to fit that kind of concept? How could he have possibly done so? It was an adventure game and she made a character that had no business being in an adventure game.
He could have done so, just not in a game about adventurers. Pathafinder and D&D are games about adventurers, hence my idea that she would have felt better in another game.
Or you should have left her behind to take care of finances via investments, to provide good PR for the party via talking to bards, and to gather information for your own forays into dangerous places via, well, talking to people. No danger for her, and she's still helpful.
Of course, most d20 groups I've seen just aren't interested in having such a character in the game. But let me repeat, it's a not-crippling disadvantage in other games! So, it was just the wrong game for her.
And of course, when people are invited to the wrong game, they often give up any kind of tabletop roleplaying. But that's a different matter.