The Laws of the Mortal World: Somehow, I'm at the End of the Rules

Can't We Get a Proper Rules Horror Story? The Protagonist Needs to Have a Brain!!!!

Rules-based horror stories, but can the protagonist please have a brain?!!! Don't make them rely purely on a golden finger. If you like power fantasies, that's fine, but please don't recommend them here unless they actually fit!

Any Stories Where Everyone Is Pulled into a Game and the Protagonist Is Always One Step Ahead?

Proper Rule-Based Horror Stories, No Bait-and-Switch

I'm looking for rule-based horror stories like The Zoo Mystery. At least most of the rules should be correct, and violating them should result in contamination rather than instantly kicking the bucket. An ordinary person who stays alert should have a chance of making it through, instead of it being completely dependent on an overpowered cheat that nobody can survive without.

Looking for High-Quality Supernatural Rule-Based Stories. The Characters Should Follow the Rules, Not Go Around Killing Everyone

Looking for Mass-Participation Stories, No System. Online Games Are Fine Too! Come Quickly

The protagonist should develop normally at first, progressing from tribal society to the feudal era, and be intelligent.

Clever Rule-Based Horror Stories

Please don't recommend Mom's Note. I'm looking for high-quality rule-based horror stories.