RPGs aren't neceesarily my favourite genre of game, my experience only containing the below short list
Final Fantasy 3/4/5/6/7/8/9/10
Secret of Mana
eh, that shadow of something for the PS2
and a few others.
But, has any RPG game been set in a modern world with realistic characters and Storyline, obviously not too realistic as to be boring. But i believe if done properly with some thought(more than what i can put into it perhaps) then i don't see why no one has tasked themselves with such an undertaking.
Please remember that i've had zero gametime with any Mother game, if perhaps it contradicts me which i fear it may.