I think I figured out the answer: it's non-interactive. The characters can be extremely fragile, and unable to adapt to any surprises, because they only exist is very controlled circumstances. They aren't complete people. They just show to the world a few traits the writer selects, and not others wehre he would do worse. But in real life, one has to deal with the unexpected and uncontrolled. In real life, problems come up. In fantasy, only problems chosen by the writer ever come up, and not other ones that his characters would be worse at dealing with.