superman, tru dat, a little different this book.

Protagonists lover and best friend's wife in Moth Smoke..

I think it's because every author is secretly writing about his or her own fantasy/surreal life.

The author makes a decision as to where narrative authority will rest. In the cases you mention, the main character retains first person authority over the text. The selection of narrative authority, or point of view, serves plot for whatever reason the author chooses. Part of the pleasure of reading a text is derived from the discovery of that purpose. There are plenty of theories regarding this all. If you're interested, I could post lines from some of them. No problem.