But fine you know what... Lets just deal with it. Lets just show you what you need.
If you want "child of a merchant", but unrestricted by race (you want to visit the shop), then that means that you don't just have to create just one set of parents, but five - at least one for each race.
-Resources: 5 sets of parents. Models do not have to be unique.
But wait, there's more. You could be of a different race if you were adopted, but then the dialogue would have to take that into account too.
-Resource: 5 sets of models for parents
-10 paragraphs of dialog
And then there's the Undead. What if you are Undead but your parents are not? And then being Undead means you could be Undead for one of 4 races.
-Resource: 5 sets of models for parents
-10 paragraphs of dialog
-1 paragraph of dialog
So that can lead to an origin like "Adopted Undead Dwarf Child of Elf Merchants".
-Resource: 5 sets of models for parents
-10 paragraphs of dialog
-1 paragraph of dialog
Or "Adopted Undead Dwarf Child of Undead Lizard Merchants".
-Resource: 5 sets of models for parents
-10 paragraphs of dialog
-1 paragraph of dialog
And that's just one f***ing possibility. Each and every possibility needs someone to write the dialogue, put that in the database, program in the different responses, and bug-test it. And we're not even getting into the "Unique Special Snowflake Quests and Locations" you want.
-Resource: 5 sets of models for parents
-10 paragraphs of dialog
-1 paragraph of dialog
-Half-work that goes into a single origin as it is
So there you go... The Sheer obscene amount of work required to make "Child of Merchant" assuming that they could be one of 5 different races AND that you could be adopted into any of them.