

Sometimes assembling the group in session 0 is what’s right for the story, and sometimes it really, really isn’t. Think about how many movies literally have “Assembling the team” as almost their entire plot. The Avengers hangs two hours of non-stop action on “We need to put a party together.”
Oh, that reminds me of a 4th way campaigns can start (in addition to the 3 I said in a different reply) that I’ve been in before and quite enjoyed—though wouldn’t want to be overused. The MCU method. Where each player individually gets a 1 session (maybe 2 at most) solo session introducing them and getting them to the right place to start the campaign.
This is an out of character problem that should be addressed by talking to your players at session 0 (and at any other time it arises). The manner in which you create characters is irrelevant here because it’s an interpersonal issue, not a mechanical or narrative one.
I don’t watch actual plays. Never have. Tried Critical Role for a few episodes and didn’t see the appeal. I don’t think it takes an awful lot of roleplay skill to accomplish. Because I’ve seen it work many times with very ordinary players. Ordinary, but participating in good faith, which is the bare minimum. If you don’t have good faith, you shouldn’t be playing.
But it’s pretty clear from a lot of your tone and actions here that you are not participating in this conversation in good faith. Unless that changes, I’m out.