You wake in a pub and see that it's full of were creatures, and they're all staring at you with a scared look on their faces. As you continue on into the pub you look at your arm. You notice that your arm is covered in thick brown hair. As you continue on into the pub you look in a mirror, and staring back at you is a 7 foot werebear. As you continue into the pub people start to shy away form you. Once you go the bar you ask the weretigress that's the bartender and begin to ask her why everyone is shying away from you, and she begins ro tell you why.
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.