Wretched. You live in inhumane Conditions. With no place to call home, you shelter wherever you can, relying on the good graces of people better off than you. A wretched lifestyle presents abundant dangers. Violence, disease, and hunger follow you.
Political. A politcial enemy might inlcude a local magistrate, a noble who rules the region, or a monarch ruling the kingdom. the NPC might have offended a local ruler,become an outlaw, or a be a political rival.