Why is it a mess? It’s just the nature of TTRPGs. Like the books make it very explicit: the rules are only rules insofar as the GM and players agree; and the GM is always the final arbiter.

“Homebrewing” is just playing the game as intended.

What if you were born into a Thornberries esque family, grew up traveling the world as your researcher and adventurer parents did their studies in the wilds, ancient ruins etc.

You fell in love with adventure and ancient mysteries, so after graduating from adventurer college (you were a legacy admission), you intern for [initial quest giver for campaign].

Easy one, done off the top of my head.

Let me help you out:

There are NO sound arguments for racism, fascism etc.

None.

There is no point in listening to racists and fascists.

Ever.

Did*

Kinda of an overplayed trope now.