I take it you've never played a fem protag Japanese RPGM game?
Not to mention all the western
"MC has to move back in with mom and sisters"
"MC / MC's family is in debt"
"MC has no money so has to walk everywhere on the map"
"MC has no money so has work so much over time his wife cheats on him"
"MC has to sell photos of family for pocket money"
"MC is so broke he has to work for mob / criminals"
"MC needs part time job to by corruption items"
"MC is in school / collage / university and parents pay for everything"
"MC is in school / collage / university and needs part time job"
"MC has low paying crappy job and takes it out on the women that work there"
"MC has been fired"
"MC is a teacher"
"MC's business is in debt and has to offer special services to not get game over"
etc. etc. etc.
and we haven't even gotten to the western games dungeon runs, shipwrecked / stranded, bottle cap collecting apocalypse setting, escape from zombies or puzzle games etc. yet....