pawsplay
Hero
The problem is that people are getting extremely caught up in the "world" and they either ignore or don't understand the "narrative."
Is that "the problem?" Who is "people?" What is your evidence for this assertion?
In the "world" of Die Hard, JMC is a normal man. He has no magical powers. He has no mutant abilities. He can't cast any spells. He is an "average human."
In the "narrative" of Die Hard, JMC is the protagonist, which in of itself imbues him with ability that no other person in the "world" of Die Hard has. You cannot compare JMC to the 6.5 billion other people in the world because they don't exist in the narrative. The narrative is not on "the planet Earth," the narrative is on one part of New York City. Asking if John McClane is better then those 6.5 billion people isn't just missing the point, it's a nonsense question. Those people don't exist.
Although JMC is a "normal human," because he is the protagonist, he can take more pain, shoot with better accuracy, and is just plain smarter, faster, and more versatile then the cops and SWAT are. By being the protagonist, JMC is inherently extraordinary because the narrative is focused on him. In the narrative, that level of being extraordinary is focused through his ability to take more punishment, outsmart a man who has just about everything fully planned, and go from standard detective to a one man terrorist murdering army.
Of course, none of that's true in D&D. One 1st level fighter has as much chance as another.
And really, it's not true in Die Hard, either. Those are conventions, but authors can and do fool their audiences.