So maybe if they were to just put more in, distributors may like them more (shrug).
This is where "independent" film diverges in it's definition.
What you are identifying is more acurately defined as "low budget" filmmaking, often pursued by writers/directors/producers for various reasons are unable or don't want studio financing.
This is different from those filmmakers who produce a product the studio system isn't interested in producing, largely due to simple economics because of the story's structure or its market, or lack thereof.
Back on topic: I agree 100% with your observation and conclusion.
Indie and low budget films often have too much blabbity-blab "drama" in them in what often looks like time filler.
More meat, less cellulose, please.
There's no way for me/us to definitively identify if the
reason for all the dramatic blabbing in any given film is from budgetary constraints, poor writing/directing, or the filmmaker's genuine belief that this is good sh!t.
I spend much of my film watching time dissecting framing, movement, and editing sequencing to cultivate a better feel for the mechanics of "why" some films "look" like cr@p while others "look" cinematic.
I have no idea if actors have any idea if what they're doing is going to look like rubbish because the director is... um... less than good. I often feel sorry for them.