So either you have to literally prototype each touchpoint (for example) with every possible customer (even the ones who can't articulate what they actually need), or the design is going to have to be based on insight into human nature and (varying) capabilities. Luckily, most designed things are simple enough that generalizing about users in order to discover the "right answer" isn't an unachievable fantasy.
Again, it seems you have a strong baseless bias against user centered design practices. You argue against a strawman of your creation.
It's about humanizing the product design process, don't pay any mind to extraneous information like hair color etc. At the end of the day, personas should be representative of the people you are developing products for and that's inherently valuable to the product development process and all the people involved who don't have a chance to be in front of users and get a feel for their needs, which determine how successful your product will be when they are aligned with what you are coding.
Right. Personas should be backed up by research into real customers and potential customers. "Garbage in = garbage out."