The merchant grinned “Dear sir, I noticed you had your eye on that charm. Might I interest you in a little bit of its history? Of course I would. I will have you know, that charm has seen its way through many an adventure, and saved the lives of many of the adventurers therein. Legend tells that it was crafted centuries ago by Yurid Norcral, the greated Dwarven runesmith to ever live. Later it was said to have been enchanted by ancient Elven magics which have since been lost to the ages. Quite a rare find.”
One of the standard peices of equipment for an adventurer is a sword. But swords were actually very complicated to manufacture. Therefore, an adventurer who owned a sword might have had it passed down through the generations or might have been rewarded by some influential figure. Or simply looted it from a tomb.