Sorry if it seems like I am asking for too much bro, I don't expect War and Peace, but it would be nice to see that thought has been put behind the chars.
I guess what I am looking for is: Who are you? By the age of 18, or equiv age for other races, how has living in a city like Diamond Lake shaped you? Does hope still reside, or have you just accepted that your life will be no better than that of your parents? What do you do in the town? Do you mine with an uncle? Juggle in one of the entertainment houses? Cook at the Rusty Bucket? What would it take to push you to explore the Cairn? What would you do if you found the wealth you dreamed of?
Just anything that pops into your mind when you start writing...
Want to be the son/daughter of an NPC, go for it, but as the adventure progresses, which side will you choose? Those who have fought at your side, or the blood that courses through your veins.
*end ramble*