Pathfinder:kingmaker has this same problem.
Lets invite a bunch of level 1 nobodies to the keep, and challenge them with killing the Staglord, so we can award them Nobility, and a Baronship over the entire land.
yo what? lets send a level 1 sorcerer to spy on, and assassinate the others. yo what? lets send some level 1 assassins to try and kill the level 16 Lady Jamandi.
every npc has a backstory that means they SHOULD have a number of levels in their classes. none of them are fresh out of the homestead recruits.
game should start at level 3 at least. possibly level 5+
idk. some games have no problem with throwing a ton of character creation options the player doesn't really understand at them. not sure why its that big of a deal in these games.
Alternatively, I also get the desire to through a "hook" at players right away. opposed to... killing rats in a barn. and yes, many games solve that problem with prologues featuring high level characters who lose. give the players a taste of endgame, and skills, and how they work with "complete" characters, then give them their PC which they can build. its hard to argue against that format, aside from, it would get stale if EVERY game did it.
Hsven't seen the simple, "adventuring guild/sellsword" start in some time.