Then you make a character who is forced to take suboptimal ASIs, due to 2024's draconic backgrounds mechanic—a mechanic that exists solely so that other players can make Wrong Choices—just to receive very situational abilities that don't synergize with any of your class features or options.
(If you think backgrounds aren't made purely to placate optimizers and give them Right Choices over Wrong Choices: one of the new backgrounds in the Faerun book is a Dex/Int/Cha ASI with Magic Initiate Wizard as its origin feat. This is blatantly about giving access to the Shield spell for Noble Genie paladins, as they know that said origin feat is considered top-tier for almost every character and that said subclass is deliberately overtuned.)
They really screwed up the Cult of the Dragon background and feats. The Background gives you Constitution, Dexterity and Intelligence, the origin feat uses Wisdom for your save DC and the Dragonscarred level 4 feat boosts Constitution or Charisma.
This is a mess for just about any build. On point buy, unless you play a custom background you will have a max 15 Wisdom until level 8 and a fear mechanic that works off Wisdom. 15 is really too much to invest in Wisdom if you are not a Cleric, Druid, Monk or Ranger and if you are one of those classes you are pretty weakened due to losing ASIs at both 1st level and 4th level, and the only thing you can push hard is Constitution. In addition to the feat ability being somewhat weak, if you are a Druid or Cleric your spell casting, channel divinity etc is below average until level 8, Monk or Ranger and your attacks are below average from level 5-8.
If your DM lets you use a custom background and can start with a 16 Wisdom, it is a little bit better but it is still not real easy to build around. I was really jazzed about the feat at first, but when I started developing a build around I really could not do anything single classed without taking a significant hit. I came up with a multiclass build - A Fey Wanderer Ranger with a 2-level Bladelock dip that is Charisma first. That is using a custom background though (enabling Charisma and Wisdom), and it will still be a relatively weak save on the main ability from the feat.
As far as the Paladin and Magic Initiate it is not as great as it sounds. Shield is a really good spell, but Paladins generally work best in a Sword and board build and genie Paladin in particular is going to drive you to either sword and board or two-weapon fighting. In either case Shield can be difficult to work in. Not impossible, but rather fussy. Of course you can go Warcaster, but then you are really pushing Charisma.