Well, yes, people are really vanilla.
How can I put this... Um. You know when you look at a tragedy (like an accident) and suddenly think 'Glad I'm not that guy!' Or when you see something on TV or movie and wish you could do something that spectacular? But when you walk away or turn off the idiot box and move on with your life, what you just saw or experienced no longer affects you and you simply 'move on' to the next thing?
That's how people are. They live in the moment, no thought of what happens next. We, roleplayers, gamers, artists, writers, do not work that way, this is why we stand out, why we're not like everyone else, we continue to live, to care, to watch, to just DO. So we get to experience more and it STICKS with us.
To everyone else, things happen, good or bad, to 'that guy', never to them, and so it never registers that THEY could be THAT guy. Honestly, to your friends and family, you ARE 'that guy' to them. Us imaginative types tend to figure that out at some point in our lives and decide HOW to be 'that guy'.
Hope people got that, it's 5:15AM over here, and my brains are leaking again...