Apocalypse Stories Focused on Everyday Life, Not the Universal-Lord Type

I want books similar to Survival Game: Every Disaster Is Different. No deserted-island survival stories. I want the type where one person survives alone, with the whole world gamified and the protagonist going out to fight monsters and level up. A full-dive online game is fine too. The protagonist should have a lord's decree and be able to build a territory, though they must not be the only lord.