100% agreed. The sort of things that
@Lanefan describe have basically no bearing on my RPGing. There is a degree of unreality and contrivance in it that I find completely unappealing.
In the context of a discussion about contrivance, this all reads like special pleading for a particular sort of RPGing.
D&D takes REH's model of Conan - the rootless wanderer, who comes from a land ("Cimmeria") that is purely mythical in the context of the stories themselves (we meet no other Cimmerians, we never see Conan living in Cimmeria) - and generalises it across the whole player character population.
It also takes B-movie conventions, including "the villain", and generalise these across much of - it seems often the whole field of - gameplay.
These are contrivances, whose origins in literature and film are obvious to anyone who looks for them. To note that they are contrivances is not to criticise them. It is, though, to express incredulity that RPGers who are committed to those contrivances would then try and argue that their RPGing is in some distinctive fashion relatively free of contrivance.