It's always the creepy little kids
They came upon us suddenly, no sound preceding them until the splashing of their feet drew our eyes towards them. The wolf-things neither howled or snarled as they tore into our ranks.
What if the sources of precious metal in the realm all failed, so that the only sources for gold and other precious metal were hostile foreign lands? Gold coinage might become increasingly rare, resulting in hoarding. Player characters that appear with masses of treasure might be suspected of being in the pay of foreign powers.