I think what is being lost here in this discussion is the uniqueness of each campaign world. Ultimately, a player cannot develop a character background by him/herself; a background can only arise out of discussion with a GM. Effectively, a player and GM need to co-create a background unless they are working from some kind of packaged game world about which both player and GM know an equal amount.
Character background, for me, is best established over a lunch or dinner with the player at which the two of you settle on something unique, particular and situated in the campaign world. Assigning players the job of creating a background independenty usually either
(a) causes the player to inadvertently shape some aspect of the culture, politics or religion of the race and/or place from which the character originates which may or may not be consistent with the world structure
(b) results in a character who is either generic or poorly defined
Character background, for me, is best established over a lunch or dinner with the player at which the two of you settle on something unique, particular and situated in the campaign world. Assigning players the job of creating a background independenty usually either
(a) causes the player to inadvertently shape some aspect of the culture, politics or religion of the race and/or place from which the character originates which may or may not be consistent with the world structure
(b) results in a character who is either generic or poorly defined