Indebted

A deal you made went south, or you got involved with the wrong people. Now you owe a debt or a ransom that would bankrupt a minor noble. To pay it off, you'll need to take some dangerous risks.

Benefit: You're good with money—because you've had to be. Whenever you earn Wealth, you earn 1 more than usual.

Drawback: Your starting Wealth is −5. While your Wealth is lower than 1, you can purchase items as if you had 1 Wealth, but you're frequently visited by threatening creditors, and shopkeepers often lock their doors when they see you coming.