Looking for an Urban System Novel With Villains Who Aren't Stupid and a Protagonist Who Isn't a Doormat

Don’t make the villains too stupid or the protagonist too self-righteous. Most importantly, don’t make the plot ridiculous. Every time I read a novel, neither the protagonist nor the villain seems to have any brains, and it’s frustrating. In a System novel, the System should at least feel like it’s actually there.