Merchant: An sole trader or member of a merchant guild, closely associated with others in their business. Freed by talent and wealth from the constraints of a feudal social order, they spend years under a master.
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.
Faction. A factional enemy could be a religous order, a merchants guild, an order of assasins, or an order of holy knights. It is a enemy that may have agents and spies taht act of their behalf. Could be on the run, part of a rival faction, or want to join