Don't think to much about it. Each person has their own opinion and likes and dislikes. Some like human vs. human, others like monsters vs. humans, and the next likes humans vs. what-so-ever. For me, monster or human are the same : A bad person!
But a fantasy set from me doesn't have to be monster on human. Sometimes I do fantasy stuff that is human vs human, just like in my modern sets.

I just do where my mood is taking me, fantasy, modern or scifi, all is game for me.

Just keep in mind that it's all just "Fantasy".