“ Believable magic, like ordinary physicis, operates according to some invariable laws that always result in some kind of cost or 'bounce back'. The grater the magic, the more it should cost the character physically, emotionally, and spiritually.”
“ Draw the party together as debtors to the local lord, king, head of the thieves guild, or mercenary clan, who is forcing them to work together to pay off their debts.”
“ 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.”