In HPMOR, I can point to Azkaban and say “Because it is there.” Just like how, in our own universe, it is not my personal outlook on life to believe that governments would sell and advertise lottery tickets, even after the introduction of lotteries had been shown to cause an average 3% reduction in spending on food by low-income families. That is not me making a great display of how cynical I am about politicians; it is a fact that I could toss into an Earthfic as a background truth without needing to justify it. In HPMOR I get to say the same thing about Cornelius Fudge, albeit the source is Rowling and not reality. The important thing is that the civilizational inadequacy is given to me, and not depicted by me as my own statement.
This is a very, very good point. I would have been hard-pressed to name an advantage inherent to fanfiction over other forms of literature until now. (At least, to name one that didn't come with its own set of disadvantages.)