Explanation is even easier, nowadays devs can make pretty okish/realistic human protags(unless DEI uglyfies female intentionally ofc) that they dont need the creativity to think of decent looking non human/animal-like protag for it to still look decent.
Just look at evolution of Naughty Dog games protags.
First one is crash on first playstation, superlow resolution, low amount of polygons, cant make realistic human for the life of it so u go with animal-like humanoid- crash bandicoot:
Now much stronger ps2 and we got much more complex and human looking jak and daxter:
Much higher res and amount of polygons, still not enough to make semi realistic human but good enough to make jak so much closer to human-like figure:
After that ps3 and finally hd resolutions, its clear enough and console is strong enough to make relatively realistic looking human protag, - nathan drake, ofc still far from perfect but somewhat good enough:
By ps4 we get very realistic drake in uncharted4 and even more realistic tlou2 when it comes to graphics(ofc story is fake af
TLDR: Tech advanced to a lvl that for the most part devs dont have to "settle" for humanoid-like animal protags but go for proper humans and it still looks good enough