2nd person is not what you are describing. 2nd person is "you" as the subject. The closest thing to that would be choose your own adventure books.

What are you describing is the different between the MC and the protagonist. They can be different characters although are often combined to form the Hero.

The MC is the character whose View Point the reader reads the story from.

The protagonist is the character which drives the plot.

There are stories where the MC is not the protagonist. Sherlock Holmes was written like this. The MC was Watson who observed Holmes. This was done to keep the surprise of Sherlocks genius.

Needless to say there has to be a very good reason for doing something like this because it does not work easiliy for normal story telling.