Even though every character we will ever play in an RPG embarks on a career of dangerous adventure, it is important to realize that this is not the experience of everyone else in the world of your setting. Voluntarily venturing into darkened tombs, long-forgotten ruins, and the towers of mad wizards, facing lethal traps, unearthly magics, and powerful monsters literally out for your blood on the slim hope of recovering some golden coins--these are the foolhardy risks of madmen.
D&D 5th Edition tries to supply reasons character go adventuring in the form of Bonds and Ideals, but these reasons often strike me as a little too theoretical or nebulous. I have another motivation that I like to give PCs: desperation.
In my games, each character starts with a dilemma, a large personal problem that they can only resolve by adventuring. Either they need a large influx of cash, they need to get out of town quickly, or they have some other goal they need to achieve that makes adventuring seem like a rational option. Plus, dilemmas give the DM plenty of story hook and enemies to work in later.
Below is a sample of potential dilemmas that make the character desperate.
- A bounty on their head because....
- Pissed off a powerful crime lord by...
- An old friend wants to kill you because...
- Need silver for food or medicine for...
- You are being hunted because you stole...
- Someone is looking for revenge because...
- You need a huge sum of money right away to...
- You have been shunned by your former organization for...
- No one will hire you because...
- You lost everything when...
- You can't earn an honest living because...
- You have nothing to live for because...
- You need a big score right now because...
- Addiction is expensive! You need money for...
- You owe your left hand to someone unless...
- The authorities are after you because...
- Death is an attractive alternative because...
- Everyone treats you like scum because you...
- Only lost magic can fix the problem of your...
- The assassin's guild want you dead unless...
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