>>280056507
a great plague or war kills off a large part of the population in an area
less human activity means monsters get more confident and encroach more
this draws adventurers to the region
adventurers come across great wealth
king attempts to confiscates the wealth to rebuild his fractured kingdom
adventurers fight back and band together to create a guild that protects the rights of adventurers to keep the spoils of their quests
paid for by membership dues