Criminal: An experienced criminal with a history of breaking the law. They have spent a lot of time among other criminals and still have contacts within the criminal underworld. Far closer than most people to the world of murder, theft, and violence.
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.
In a dark alley at night, they were attacked by thugs. Before they can take anything, they turn white with terror and run away. They discovered that they have a guardian ghost, a wise, benign spirit who accompanies them.