I don't know how you get from here to there. Making PCs special has no impact on whether the world matters. The world matters when you make it responsive to the PCs, regardless of whether they are special or common. I mean, are you saying you can't have an urban fantasy or superhero campaign, or one where the PCs are angels and demons or the bastard offspring of Zeus? I know you prefer more down to earth settings, but to suggest that if they aren't, "the world doesn't matter" is a step too far.Yeah, that conceit ("magic is rare and mysterious unless you're a PC, in which case it is exactly the opposite") always annoyed me. It perpetuates what I see as the myth of PC specialness. Don't make PCs the exception to worldbuilding, I say, otherwise you're basically telling them the world doesn't matter as far as they're concerned.
I, for one, like it when the PCs are both special and deeply human.