To answer the question about the characters in the book; it is true that you can assign most Houses into some variant of 'good' and 'evil'. Mostly honour versus treachery, I guess (Starks - Lannisters, for example).
However, most individual characters go through some sort of development. I won't spoil a character with examples, but I have to agree with the poster who said that characters are indeed three-dimensional.
I guess you could interpret these arguments both ways; a House 'style' will be passed along during the upbringing, for example. It's nonetheless a great read.