“ There are no scrolls in this world, but there are crystals of various sizes, colors and qualities. Every spell has a requirement on the amount and characteristics of crystals that must be held in order for the spell to be cast, crystals which would shatter should the cast be successful. Now picture a land where crystals are scarce except for high concentrations of them in specific spots throughout the land. A number of scenarios could occur, such as benign companies selling the mined valuable for cheap, a region in constant magic-intense war zone, an area of crystals in the quicksand, or an undiscovered patch next to a town...”
“ In a miltaristic nation, the ownership of proper (improvised don't count) weapons and armor is mandatory for all citizens under penalty of inprisonment or death.”
“ Temple of some malign being invites you warmly and offers help (curing,needed spell etc) for some minor sacrifice . Sacrifices must be everytime bigger to work - up to living inteligent creatures. Maybe you pay some other price,too...”