Scott Christian
Hero
It can be both. If you use the investigation skill to determine which criminal gangs are active, why wouldn't the person that comes from a noble background know this? In fact, their intel should be just as good as the urchin. Now, piece together they understand the big picture: supply and demand, economy of guilds, architectural layout of the city as a whole, its infrastructure, the history of these encampments - why couldn't that noble have a bit better understanding than a street urchin?This example provides a reasonable argument for assigning skills to backgrounds, but it doesn't convince me we should be assigning ability scores to backgrounds.
Remember, whenever an ability check is required to recall any type of knowledge, it's an Intelligence check. "Which criminal gangs are active in this neighborhood?" That's an Intelligence check. If a PC raised by thieves and a PC raised by wizards have both maxed out their Intelligence, the PC raised by thieves shouldn't be less likely to know about criminal gangs than the PC raised by wizards. That just doesn't make narrative sense.
And then there's my example of an acolyte in a temple dedicated to the God of Strength. That's just one example of the many character origin narratives that simply aren't supported by backgrounds with baked-in ability scores.
I see your point, and I think it's valid. But a narrative is simply that - a narrative. And most skills that apply intelligence have to do with being learned.