“ There are more ways than one to encounter a dragon. With a low level group it's obviously not feasible to meet one in its lair and fight it. But standing on a bleak moorland, utterly exposed and vulnerable, it can be a chilling experience to see something flying far far overhead. Something that could just be an eagle, but you never know...”
“ The PCs are stuck in a town with a strict peace policy, the tiniest scuffle can land you years in prison. The town also happens to be a tourist haven, so inn-prices have skyrocketed. The only way the PCs can rest is if they splurge on a room, with their enemy.”
“ 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.”