Depends on the particular game, to an extent... Shadowrun, for example, has been stressing for some time that, while Shadowrunners might be "cool" and live free and all that, they really aren't all that enviable, or really much of heros, by and large. For most people, in Shadowrun, the system works just fine. The averge person, provided they aren't an orc or troll (Elves have a few places to go where they are tollerated just fine), can get some sort of paying work, a roof over their head, 3 meals a day (Even if they might be soy-based synthetic food supplements), and has a SIN... And it's entierly possible to make out just fine with that, and many people have much much more. Contrast that with Shadowrunners, who have to commit crimes just to make some sort of life for themselves.
Mind you, the world of Shadowrun is *far* from perfect. But most Shadowrunners aren't helping the world get better, either.