There's a lore reason for why the Skyrim horses are slow which is that they are bred to traverse rugged terrain, not to go fast. The Oblivion horses are considerably faster because you know, the well groomed roads of Cyrodiil*, but they're also much more fragile.
Fun fact: There's also a lore reason for why there are no horses in Morrowind. The Dunmer eat them!
Now World of Warcraft has got some fast horses. Also flying horses. And ghost horses. And all sorts of fun things.
* Which used to be a thick rainforesty jungle and not a nice quiet countryside but then Tiber Septim showed up and turned it into England because he discovered CHIM and wanted to show off although let's all be honest rainforesty Cyrodiil would have been so much cooler THANKS TALOS
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