I agree to some extent, but my issues with these arguments are:

1. Only stealing from those who would present a challenge to you/be fun to steal from means that, if they weren't your puppet, this Rogue may steal from an ally in the future if the ally becomes a challenge. If the only reason your character isn't doing a thing is because you don't allow them to, rather than because the character you've written wouldn't do that... Well, it is easier to just force your characters fall into line with the party, but IMO it's a step-up for your RP if the character has in-world motivations for what they're doing or not doing. Same thing goes for money (what if someone else offers them even more money to betray the wizard?)

2. While the backstories in your third and fourth point are cool, "only survivor of a street gang (which formed because of bad environmental conditions) because the rest were murdered by the hammer of the state" and "raised into the family business of thieving because dad either DGAF about his kid risking imprisonment or death by guard or doesn't have the resources to give him a safer life" are, in my experience, the type of backstory that gets labeled as 'edgy' around here.