Scruffy nerf herder
Toaster Loving AdMech Boi
They have the one needed for the story being collectively told. Few of the NPCs I run in my game hold my cultural beliefs.
Fictional characters very much do have their own cultural perspectives, regardless of critics who insist they are all the foils or variations of their author. Ideas impacting a work is vastly different from an author assigning perspectives to their characters, especially in a collectively-authored story.
At least, the better authors don't.
I think what Umbran really means, is that whether or not we're always aware, there are little wrinkles of our own unique cultural upbringings that have their influence on the shape of our ethos, our world, and more importantly our use of language and mannerisms. Even when the creator simply thinks "that's different from how I think about this particular subject" their culture is having some influence on them even then.
This is a positive thing it is part of what makes people interesting. Of course none of this is intended to suggest that you yourself weren't aware of all of these basic ideas.