I think people see Bilbo from the Hobbit and want to channel that “party boy out of his element” energy but it usually won’t work. Or fry from Futurama. You’re playing a game not writing a book. Don’t take extra spotlight. Don’t be incompetent.

This is done in movies and books to give the reader/watcher a chance to learn the setting without getting hamfisted about it, stuff is naturally explained to the character because they don’t know it either. That’s not necessary in TTRPGs, since the player can always ask out of character.

Also, it’s a way to get some character into the story the reader/watcher can identify with. This also is not necessary in TTRPGs, since there the players naturally identify with their character (at least in most games, some do that differently).