I agree. This seems obvious. So why can't these sophisticated critics see this and rate the movie accordingly? They're obviously using a completely different set of criteria to rate movies, and entertainment is far down the list.
The difference is not in the main character, the difference is in how the movies relate to the established conventions of the franchise.
Regarding Rey in context of The Last Jedi, did we watch the same movie? She was basically a mixture of having doubt and uncertainty and being troubled for the large part of the movie. Only in the confrontation with Kylo, we see her inner strength but even that was tempered with her vulnerability - its not like she vanquished Kylo with a smirk.
Doubting yourself and then winning at everything doesn't make you relatable. It makes you like that colleague from school who was stressed out before every exam, saying for sure they're gone fail, proceeding to have straight A's from every one of them. When you hear them doubt themselves next time, you don't empathise with them, you say "oh shut up".
Of the ones you listed I watched The Last Jedi and Captain Marvel. I know what I wrote is also true for Mulan thanks to friends who watched it and the Critical Drinker. He has a couple good films on YouTube actually demonstrating this aspect of modern films:
- Mulan: <https://www.youtube.com/watch?v=kIH-eFqBLP4>
- Star Wars: <https://www.youtube.com/watch?v=GSj6wEm4zZY>
- Captain Marvel: <https://www.youtube.com/watch?v=WKHEjpFF6J0>