As gamers we have done the western with laser pistols, six shooters and steam tech. Shadow run alone has covered more noir ground than MGM did between 1945 and 1955. I hope we managed the horror genre well, and the murder mystery almost always sneaks its way into our campaigns. But do we always know we are doing it? Can genre sit right in front of us an yet go undefined? I think it has happened and a speculative fiction genre of all things.
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?