Flesh and Blood

Why is it that our characters in fiction really do not ever deal with the hum drum things in life such as affordable term life insurance quotes? I mean wouldn't that make them more human? Avoid the cardboard character syndrome? Maybe not. Some things might be left to the background of every day life but really I think some of the hallmarks of really great character building is to make put them in situations that occassionally require them to at least glance at over due bills, or a desk full of un-reconciled bank statments. Answering the phone and having it be a sales call, doesn't that happen to all of us at least a hundred times a day? Maybe that's just my life and I need a new phone number.