Character backstory - Better Source DM or player?

[KorvinStarmast]

Once we paid our debt to society we were on our own, a roof tile business seemed like a good idea. So then we had to raise money, and get permits to start a business (guild). So that meant do more jobs for the locals powers. etcetera etcetera.

Sounds like a great table if all of the players have bought into this premise. The "Accidental Adventurer" is my preferred approach but I have found that 25+ years of action RPGs (and games like WoW) as a common background for many players that "adventuring as a thing in itself" underwrites no small amount of table expectations.