You stumble upon lost dwarvish caverns. The caverns contain much lost dwarf lore, treasure, and wondrous devices. Yet, upon leaving the caverns, you cannot find your way back, and none believe your stories
Your people are past the peak of their prime. Social & economical decay has begun to set in. The government seems to have become self-perpetuating and careless to the people's needs. Previously common civil liberties and services are disappearing.
Well-to-Do: These are the upper end of the middle or merchant class in Barbarian and Civilized cultures. They typically own larger homes, have a household servant (a cook and/or a maid), have private transportation, and sometimes travel abroad.
Divorce: During your adolescence your parents split up and you were forced to chose which parent to live with (Work with your DM to detirmine the details)
In a dark alley at night, you are attacked by thugs. Before they can take anything, they turn white with terror and run away. You discover that you have a guardian ghost, a wise, benign spirit who accompanies you (work with your DM to determine details)