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)
Rebellion: As an adolescent you joined a rebellion against the local ruler, if successful you are outlawed, if it failed you escape, with only friends and family knowing your involvement. (Work with your DM to detirmine the details)
In adulthood you have an encounter with an unusual person, who as far as you can tell, has no home or family. You offer to help in anyway you can. After accepting your hospitality the stranger vanishes leaving a note "Your kindness will be remembered".