The player chose "Criminal" not "Urchin." Doesn't matter how old their character is. Someone who grew up doing criminal things might be able to navigate city spaces more swiftly (the Urchin feature, IIRC) or they might be able to find/make non-hostile contacts (a reasonable interpretation of the Criminal one, I think). I wouldn't be inclined to limit either to the PC's home city, if only because I tend to run kinda peripatetic campaigns, and I'm not super into nuking people's build choices needlessly.