The point cost to play a halfling is -5. Kobolds are 3' tall, rust colored, and have a short rat-like tail. It costs 0 points to play a kobold. Many large cities have a general populace that is not xenophobic or strongly prejudiced and will treat members of many races without contempt but there are always exceptions. However, smaller towns and villages vary greatly in their opinions of races that are not in the majority, and will usually be mistrusting of strangers in general.
Races tend to mix well only in larger towns and cities.
There are some large cities, however, that are extremely prejudiced and it would be dangerous for certain races to walk in certain parts of town. Magic Magic is common. Every town worth mention will have at least one resident wizard, and cities will have at least one guild of wizards. Necromancy is frowned upon, few wizards will admit to practicing it, and there is no known guild of Necromancers. However, there are guilds for just about any wizard, should a wizard wish to join one.