I like this game, lets take random statements from other people, and attach ENTIRELY RANDOM figures to them, claiming that that's the amount of work required.
So.. what you're saying is that LITERALLY all you want is a origin story that says you're from a merchant family, and allows you to visit your parents merchantile, where you can have an entirely random, (but apparently limited a few paragraphs) conversation with them?
I think it is you, sir - who does not properly understand the way game development works.
See. the problem is, if they do something like you're suggesting, they wouldn't want to do it "Half-Assed", they would want to do it the RIGHT way, go for "Minimum Lovable Product", not "Minimum Viable Product".
Which means they would want your character to have several quests relating to his origin, with interchanging dialog based on gender, race, and other tags, not to mention they would want the origin story to affect more than just those few quests, which means changing A TON OF DIALOGUE throughout the game.
THEN they have to test it, which means testing with EVERY Combination of other tags, races, genders. to make sure that no dialogs clash together.
So you're right -It's not that hard, It _only_ requires them to comb through all of the hundreds of thousands (possibly in the millions) of lines of code they already have, locating and adding every single line of dialog for this new origin, plus the new lines of dialog for the quests related to it, the new lines of dialog for the OTHER TAGS within these quests. AND THEN requires someone to play through all of the sections of changed code (basically the entire game) once for each combination of Tag/Race/Gender.
Now, if i've done my math right, assuming 2 genders, 5 races, and 4 tags - that's 330 different combinations they would have to test for (Assuming they can only have 1 gender, 1 race, and 2 tags per character)
If we assume they have a team of 4 QA testers working on these, they are Agile, and use 60% of their time for construction, ("Two days" are actually only going to be roughly 10 hours of work), and each combination would take two days to fully test, you're looking at 165 working days, AND THEN they have to test them as a playable companion, instead of a player.
All of that, probably more than 165 working days at least. just for ONE of your custom origins.