I always make my characters have both parents alive and well, and generally from a good home, if not an entire good region as well. Both my current Lancer and Fabula Ultima characters get into issues due to generally being who they are, and not necessarily from being raised in dire circumstances or having a tragic background.

Heck, one fun contrast to me is that my Lancer character is a young-ish noble who had everything she could want, and decided to venture out in the stars half for the thrill and half to spread her family's reputation, while the rest of the party are more mature and jaded adults who don't know any other type of life. The fact that she could stop at any point and go back to a comfy life isn't a drawback to the roleplaying, its a plus and adds more good conflict between them.