in a way...but why does it always have to be justified, and analysed, psychlogically, and morally...can't it be just a story...I mean, obviously, it'll relate to stuff that happens in life...but isn't the point if stories to be able to escape from all those notions...at least to me it is, that's basicly why I read fantasy...to forget anything that relates to real life. So I like it when authors tell a story, for the heck of telling a story...
My first instinct is to say that that is a very sad and superficial way of looking at things. But I won't, because you've asked good questions that merit a considered answer.
I happen to think that there's no such thing as 'just a story', which exists outside its context. But even if there were, we probably wouldn't find it very satisfactory. We might get a good feeling while we are reading it, but it wouldn't last too long afterwards. I personally read large quantities of crime fiction (I write it too) and to a large extent most (not all) of them are disposable. They all have something to say, though, about more than just somebody getting killed and a detective finding out who did it. There are subtle currents about the society in which the crime takes place.
You call HDM 'fantasy'. I personally don't like fantasy as a genre and I don't regard HDM as 'fantasy' as such - I prefer to call it Allegorical Romance. That might not be terribly important but one person who has denied writing a work of 'fantasy' is Philip Pullman himself, who has described it as a work of 'gritty realism'. I'd challenge that description on a technicality, myself, but Philip Pullman is in many ways an angry man with lots to say about the world. He's a former English teacher who believes passionately in literature as a way of changing the world. He draws on Milton and Blake, both of them revolutionaries who used their art to savage a corrupt church. You could try what happened to me, reading about Bolvagar a couple of weeks after visiting Auschwitz, and tell me there wasn't a terrible message there. When
Northern Lights was first published, in 1995, the Prime Minister-ship of a woman not unlike Marisa Coulter (let's leave the glamorous aspect aside for a moment) was fresh in the minds of even teenage readers.
Why not analyse? If something has a big impact on you, makes you cry, makes you want to change the world, makes you want to go straight back to the beginning and read it all again, don't you feel curious about how it works, why it had that effect on you? And if you don't, why do you join a community which has been happily analysing it for several years? One thing you gain from analysis and discussion is having your eyes opened to things you may not have noticed before, and that should increase your enjoyment when you read it again. Ask your English teacher - she's really not there just to make your life miserable, you know!
Anyway, Nixy, I hope you feel I've given your question due attention and haven't been sarcastic.