Now it's not that I think it's an issue of trust, but more assurance, that people play by the rules. Trusting the players is all well and good, but people who do not wish to abide by certain things will appear. If they slip through it becomes a bigger mess than if you gated and filtered it out to begin with. I know this from experience, and watching other RPs. It is certainly a reality that needs to be considered.

Ugh, now it's overdramatized. Look, backstory, personality, just, when it comes to writing I think these things are very important for any character as a whole, and this is out of principle, that this is a literary thing.

But for something like a D&D campaign where you just make an adventurer and go, not so much.