What are some options for adding customized characters for someone new to it?

@UnrealEnterprise
First, bartering is a bad idea all around. I’ve tried it multiple times and it never worked out well. Most often it comes down to “favors” and promises of royalties being weak motivators and much more risky for both sides. Money in well-defined amounts is an actual motivator, but a resource I don’t have enough to give out to a freelancer regularly.
Second, we’ve all seen character creators with easy to use sliders for player characters in hundreds of games at runtime. That alone is a “shortcut” for basic character design. If it’s impossible for a program to do something similar, I’d like to know why.