But why do Japs feel the need to make it realistic? Why play as a Chad and self-insert into a successful member of society?
To me it seems as if they subconsciously accepted that their life choices and current state of affairs is something bad, so they escape to fake worlds where they are a successful normal Chad.
What I described in the OP is more like accepting myself as I am, not wanting to change, not regretting my current state or decisions in life. BUT also receiving all the good stuff a Chad would get due to supernatural occurrences in addition anyways.
In the end I would account the lack of scenarios I described to the fact that most people who play these games are self-hating and they would find it too fake if it was an unrealistic scenario where a character just like them actually gets to reap all the rewards.
I however understand that all these media are just fake self-inserts anyways, so might as well go all in and just project a completely unrealistic scenario where a complete self-insert MC just reaps success regardless of realism.