Interesting viewpoints, but I agree, and yet I don't agree. It depends on the specific game, there's no one set standard that all should follow. Mario? Yeah, he should save the princess every time (although Mario is getting kinda stale to me after 25 years). In that case, good should (and will) triumph over evil.
But to say that no gamer wants to experience a characters inner emotional life??? I can prove you wrong right now by saying that I do. I'll never forget the first time I felt real emotion coming from a game, the ending of Final Fantasy X. The tearful goodbye between Tidus and Yuna is heart wrenching, and looking back afterwards I realized that throughout the game we were experiencing the inner emotions of several characters the whole way. And that made it all the more amazing of an experience.
Perhaps I'm jaded and mean, but in the situation outside your apartment, I don't know that I'd do what you did. How often do people covered in blood stagger up to you saying that "bad men" are after him and will kill him. There are more lies and scams these days than murders and I, for one, would question his motives. But again, maybe I'm jaded. But, linking back to the point, those are the kinds of decisions that I think would be cool in games, not all games, but certain games.
Like another said before me, not everyone plays for the sheer escapism. My life, while not perfect, is not so bad that I need to sit down and play a videogame just to get the unpolluted "happiness" into my day. Sure, sometimes I play for the triumph of good over evil. But whether that's the case or not, I'm almost always playing for the emotion and the story of the game; to put myself in this character's shoes and see how his/her story unfolds.