It seems to me that you're anticipating nothing but bad-faith, exploitative play from the players, and I'm expecting at least more of a range. If a player made a choice at chargen that enables them to establish contacts in places, I see no problem with with allowing the player to establish contacts in places. As a GM, I might ask them for those contacts before play entered places ... "So, y'all are about to go into Embernook, first time y'all have been there as a group. I-know-a-guy Guy, who's your contact here?" Of course, I'm not really good at tracking PC abilities, so I might forget a time or three, but I might tell the player that they're much more likely to have the sort of contacts they want if they establish them that sort of not-in-play way.
Normally when I see expectations of or complaints about bad-faith, exploitative play, the problem usually boils down to a given GM not wanting the players to have any say in the setting. This is plausibly OK, I know there are tables that have lots of fun that way, I just wish people would be more honest--with themselves, even--about that.
I'm so glad you agree that consistency and player input don't conflict.