Skyrim - Bandit Classes

Happens with melee too. Enemy is using a dagger (and not even a glass or ebony dagger, but an iron or steel) and decapitates me while I'm at 90% health. And no, I'm not playing on legendary difficulty when this happens; it's on default. It's s**t like this that makes no sense and makes me question if this game was properly beta-ed. Magic is stupidly under-powered later on, is questionably useful at the start too, and with s**t like this happening, melee is suicide since you can be one-shot, two-shot, or, if you're lucky, three-shot in seconds. Using a bow is the only way to stay alive. And even with all that, the NPCs are still hugely overpowered and killing me with one arrow. 

So, yeah, I feel your pain. This game is beautiful, but it's also unbalanced to an unbelievable degree sometimes.