IBesides the point of the system is to build the characters you want to build, from scratch. If you feel it "cheapens" the experience because you lack any discipline and will power, that is your fault, not the games.
I hereby declare all dissenters and whiners ROFLPWN'D.
Well hey, to each his own. If people like being handed everything on a silver platter in games now and everything must cater to their every need, then so be it.
I prefer a bit more of a designed and structured layout instead of cookie cutter characters.