“ In a small, genetically isolated region it is not uncommon for the locals to have three arms. The third arm is generally a second right arm that is a good bit weaker than a normal arm and is generally held against the chest. This hird arm is most often used to carry small things, though some of the more skilled craftsmen have learned little tricks with their third arm.”
“ What if the sources of precious metal in the realm all failed, so that the only sources for gold and other precious metal were hostile foreign lands? Gold coinage might become increasingly rare, resulting in hoarding. Player characters that appear with masses of treasure might be suspected of being in the pay of foreign powers.”
“ The PCs are walking along the road, when suddenly a bunch of bandits attacks. The player's dismiss it has just a random encounter, when they find an ornate ring on the leader, obviously out of place with the seemingly poor bandits, who could only afford cheap leather and weapons. This ring has a symbol on it, which, if researched, sets the PCs on a quest. And from then on, the players don't look at random encounters the same way...”