A character who is undergoing changes of personality (like buying off mental disadvantages - flaws - or changing alignment) might confront personifications of aspects of his personality in dreams: a griffon representing the courage he needs to face a terrible foe, or a satyr standing for the lecherousness a warrior must overcome to be admitted to an order of knights who must uphold vows of chastity.
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?