The Elder Scrolls III: Morrowind. It happened when important NPCs died, rendering unfinished or future quests associated with that character impossible to complete or start; iirc essential NPCs didn’t have immunity to damage and death in Morrowind like in later Bethesda titles, so these NPCs were protected only by the player reloading their save after getting this message upon the essential NPCs’ death.
American here; you’re spot on. The US/Mexico version of the Milky Way bar has a layer of caramel in addition to the nougat, and 3 Musketeers is essentially the global version of Milky Way. Our bars may be also bigger in size.