And besides that, why the fuck do you need to know what LotR or Elder Scrolls would look like with cars and ATM machines? Why does it matter? The stories told about those settings cover the specific 'medieval' equivalent era of that world. The past exists in the form of lore and in-universe texts, and the future doesn't matter - we're talking about when everyone in that world was using swords and horses because that's just the era that the stories chose to cover.