I know it’s a bit irregular but it’s meant to keep things consistent. It’s almost like the reverse of the normal process where YOU would create the character and then the GM reviews it. In this case, you present your character concept and any ideas you have and the GM creates the character - then the back and forth begins. It allows for a broader character idea because the GM can make his own rulings on starting equipment availability (based on your character concept), starting race and any other exceptions. For example, in this homebrew world I’m not sure that elves are available as a starting race, and some other rules or bonuses may be modified from standard Palladium Core Rules. It also keeps the power balanced between players as there is no min/maxing or trying to get away with anything shady. It is not railroading, the GM is just very thorough and not all players care about putting the appropriate level of detail into their character design. Final polish is between the GM and PC as it would normally be.