Actually its more like this:
Hero: My fighting days are over, Im just gonna chill and enjoy life... OR... I'm just a regular guy with a boring life and I get little respect from people
Villian: I'm going to take over/destroy the city/world!! And I'm going to use some secret superpower/superweapon to do it!
Hero: I can't ignore this threat - But I can't do it alone.... I need a team
Team: Our skills/superpowers might not be enough but we have no choice!
Cut to part where it looks like the hero and his team face a completely inescapable and painful end.... And then someone they left behind or didn't count on suddenly swoops in and saves the day for everyone!
THE END
I can do the same for romantic movies, but nobody got time fo dat! (IDK, maybe later...
)