It strikes me that this may be one of the differences between youth and age: when we are young, we invent different futures for ourselves; when we are old, we invent different pasts for others.
If you remember your past too well you start blaming your present for it. Look what they did to me, that's what caused me to be like this, it's not my fault. Permit me to correct you: it probably is your fault. And kindly spare me the details.
You can't have a novel without real, believable people, and once you get into either too theoretical a novel or too philosophical a novel, you get into the dangers that the French novel has discovered in the past 50 or 60 years. And you get into a sort of aridity. No, you have to have real, identifiable people to whom the reader reacts in a way as if they were real people.