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It seems as if everybody has mixed feelings about set characters or customizable ones.
I like customizable characters, but I also like a reflection in reality. The goal of RPGs is to try to create a realistic world in which to play. Even though it's fantasy, the game designer tries to follow a realistic and consistent set of rules.
In the real world, it takes TIME to learn new skills. FF10 reflects this reality (you can turn Yuna into a black mage like Lulu, but it takes ~20 hours of game time). Ditto FF9/6/5. Learning new skills takes time. Even in D&D, where you can customize your characters, once you start the game, you're stuck with what you've got. You can change, but it takes several hours to learn the new skills (like real life).
In FF7, reality is thrown out the window. You can teach Cloud to be a tree-hugging, baby-kissing White Mage instantaneously (just switch Materia from Tifa to Cloud). When Aeris died, I just shrugged my shoulders, and I gave Aeris' materia to Tifa. Ditto with Cait Sith; gave his materia to Cid. They are simply walking materia slots... completely interchangeable. Such instantaneous learning is a serious flaw from my POV.
And then there's the story. I don't think it's anything special. To me, it's just the modern world turned into a game. Substitute
-"materia is running out/destroying the world"
with
-"oil is running out/destroying the world",
and you'll see what I mean. It's basically a pro-environmental tale taken from the modern world with some Japanese mythobabble thrown in.