Originally Posted by doctor_kaz 
Fallout's story was nearly nonexistent. It had a great setting, but setting does not mean story. "Get the water chip" and "kill all the mutants" pretty much sums up Fallout's story.
You have defined story = plot, and it isn't that simple. Yes, Fallout had a simple overarching plot but the narrative was much more complex, as was the character development and so on.