[dentemple]

Also a counterpoint, but from the other side (from British Speculative fiction): Terry Pratchett's Discworld series

These books, written by a British author, are full of characters with strong wants who are roused into situation-defying action.

These books are also best-sellers on _both_ sides of the pond, and often share shelves with Adams.

[Intermernet]

Almost all of Pratchett's greatest characters are highly flawed, morally complex and anti-heroic. This is the main point. This premise includes everyone from Cohen the barbarian, through Vimes, Rincewind, Susan, all the witches, Moist Von Lipwig, all the way to DEATH.

That's one of the main reasons that Terry's work comprehensively bridges the genre gap between "children's books" and "modern philosophy".

[zharknado]

My favorite part about Pratchett is that the characters who are most competent choose to act in the best interest of the less competent “normies” who will never understand or appreciate what they’re doing on their behalf.

[Sharlin]

Pratchett did start the series with a loser protagonist, Rincewind, before pivoting to mostly competent main characters.

[dentemple]

Even then, he goes through the typical heroic arc of:

1) Starting the story by Resisting the Call to adventure -- in a way that reveals strong character motivation (a strong desire to live)

2) He suffers a series of trials that slowly push him to the opposite view: That he must act boldly and selflessly if he is to survive (and thereby also save the Discworld)

3) He performs a heroic act (even if only armed with a "half-brick in a sock") contributing to the good side's overall victory

Although to be fair, he does tend to revert by the start of his next story.