Stormbound, the ship rolls hard over to once side. All that is not strapped down is tossed violently overboard in a splash of freezing water.
There, on the horizon- a tower. Squat, it stands alone on a tiny island. However, it's the only land in sight, and any more of this ferocious storm will crush the boat to splinters.
Taking shelter within the ornate entryway of the squat tor, the party notes with interest that no signs of life break the silence of the stone tower. As they take another step forward, they realise why.
This is the fabled tower of Brenji, a rich merchant who wished none to share his enormous wealth. He constructed this tower to store his gold- trapped and ready for any potential thieves. But the ingenious pitfalls and scything walls are not the only dangers within the silent walls of the building. A guardian, left behind by Brenji, still stalks these very halls.
A rattling hiss echoes somewhere from below...
A secret MLM (pyramid) company that offers eternal life, but in fact it transfers the life forces of its members to those position "above". If you get high enough, (meaning you get enough new members) you start to enjoy the benefits. Maybe a willing sacrifice is much more effective for the transfer. But no one says, that a suddenly unwilling member, threatening to tell the authorities, may not loose it involuntarily... thus start people to vanish, and aged corpses are deposited somewhere safe.