I can't speak for everyone, so I will explain my reason for why I can (in certain cases) tolerate it... Your playing the MC, you don't need to self insert as him (God knows I don't), but your responsible for his choices and personality, thus you can make him a decent person that is likable and better for the females in the game than their "usual" current partners...
In this game for example people are so quick to demonize Christine when the MC is just as responsible if not more so for his failing marriage, dude isn't that likeable, so I wouldn't mind if someone WORTHY stole Christine from him, the fact that Mateo is a utter ****ing piece of **** is e problem, she goes from lonely and desperate to "imma become a garbage eating slut cause this douchebag's dick is to good" **** that story....