Floating Into Reality

Why is it, that in fiction, where it is suppose to mirror real life, real issues, no matter what the genre is, real people, you never really see things that most people deal with? I mean, for the most part, characters, at least the leading characters seem to just appear in their lives without much issue other than the 'primary' concern of the plot. You don't see them struggling with their creditors, lol, or having to handle medical problems, or get eczema treatments, unless they are central to the plot struggle. The thing about real life is it is rarely so focused on a single 'plot struggle'. It is a constant combination of everything, and most of us anyway, rarely 'float' through life.