You only get a medium tone if you expose and develop to get a medium tone.
The meter tells you how to get a middle tone, but you, the photographer, should be running the camera, not the meter.
If I meter off a gray cat, and use the recommended settings, I will get a gray cat. If I over expose from the recommended settings, the cat will get lighter (how much depends on how much I over expose). If I underexpose, the cat will get darker.
If I use the meter recommendation when photographing a black cat, the cat will turn out gray in the photo. As a photographer I need to understand that to get a photo of a black cat, I should under expose by 2 stops from what the meter tells me to shoot at.
If I were shooting a white cat, I would overexpose 2 stops. Once again the meter tells me how to get a gray cat, so I need to over expose to lighten the cat.
If I were shooting a white cat, but wanted it to look like a black cat I would underexpose 4 stops.
Beyond exposure I can also adjust the tonal range of an image somewhat when I develop the film, and when it is printed.
Another way is to use a gray card. A gray card is a piece of cardboard or plastic that is middle gray. If I meter off the gray card under the same lighting as my subject (for instance have the subject hold the card while I take the reading), and use the recommended exposure, then the tones of my subject should fall into place.
Edit: If I don't have a gray card, I happen to know (because I measured and compared to a gray card) that my palm is approx 1 stop brighter than middle gray. I also know that in my neck of the woods green grass lawns are approx middle gray in tone.