I believe what you're talking about is a distinction between an egalitarian depiction of heroes, where being a hero is something anyone can become through persistence, hard work and courage, versus an aristocratic view of heroes, where you get to be a hero by being born right.
The short story where an astronaut saves his comrades by plugging an air leak with his skin doesn't require him to be born with magic powers or superhuman reflexes. He just needs to be willing to make a personal sacrifice in desperate circumstances, and tough and courageous enough to follow through on it. If he were to have, say, telekinesis and can hold the air in with his mind, then it's not really a story at all anymore.
David Brin has written extensively on the topic, highlighting it with a contrast between Star Wars and Star Trek. I highly recommend reading the article (and others he's written on the topic), but the gist is that in Star Trek the heroes are basically normal people (albeit trained) dealing with problems to the best of their abilities, while in Star Wars the important characters (heroes and villains) are special people by birth who have magic powers that normal people can't ever get. The former is compatible with democratic norms, the latter... is basically a form of aristocracy in space.
So what bothers you is fiction about magic people who are somehow, by birth and not training, better or more important than normal people. Making the heroes super-powered trivializes normal problems and means that normal people need the magic heroes to protect them from the super problems that need to exist to challenge the magic heroes.
I semi-jokingly called this pattern "modern young-adult fiction" but while that is largely true (and exacerbated by all the self-published stuff out there these days), there are still a lot of books that don't fall into this trap. It wouldn't be appropriate for me to list them, but I'd be happy to make some recommendations in chat.