There exists no tool where "drag and drop" modules do "most of the work." If that existed, then everybody would use the same tool, and all games would look the same, and then game developers would add custom programming to stand out from everyone just doing the simple thing, and then we're back where we started.
So, how come some game designers can ship beautiful games with lots of custom code and lots of custom art, like Final Fantasy XV, or Apex: Legends, or Overwatch, or, indeed, Total War?
The answer is what Henry Ford used to make the Model T car: Specialization. Whoever has the resources to collect other people to make a game, tell them what to do, compensate them, and then sell the game, can make the game they want! Many studios are founded on angel money believing in a certain vision, or on the profits from a previous, smaller game, (which was funded from the profits from a previous, smaller game, which was ....)
If you're a game designer (or programmer without art skills, or artist without game design skills, or ....) then you will have a very hard time building a game on your own, because all those pieces are needed to make a game. It's similar to making a movie -- you need actors, and script, and cinematography, and audio, and someone to make sure everyone does their bit correctly, and all the editing once all the bits and pieces are collected. A modern game, just like a modern movie, or a modern car, is a sum of so many parts, people can't generally make one on their own, unless they scale their requirements WAY back and choose a target product that matches what they can personally achieve.
You might as well ask for a "drag and drop animated film builder" (or, for that matter, "drag and drop comic book builder.") It ain't gonna happen.