One thing holds consistent across the numerous worlds of science fiction and fantasy: everyone speaks the same language. Whether it's Lojban, English, Common, or the High Tongue of the Autumn Empire; there's one language that everyone knows, unless plot demands otherwise.
Do not gather and heap up and store for yourselves treasures on earth, where moth and rust and worm consume and destroy, and where thieves break through and steal. Matthew 6:19 KJV
As the PCs cross a brigde/tree over a deep river they see the glimmer of gold and jewels lying at the bottom. At further inspection they notice that it is the skeleton of a man still holding on to a sack of treasure. Will the PCs try to dive to get it? What killed the man? Did he simly not let go of the bag he could not swim to the surface with? What cleansed his bones so? Are there flesh-eating beings that dwell in the deep? Can the players resist the chanse of being wealthy for once?