“ During big fights in the arena or gladitorial ring between two well known or important warriors. When one looses and dies, the crowd throws copper coins into the arena for the slain warrior to take with them on their passage of death. This is to make their passage and afterlife richer and less troubled. It is a sign of respect.”
“ When was the last time a character caught a cold or flu? Real people get them every now and again even with solid heating and dry interiors. Your characters are out in the cold and wet, and even inside is not always dry and warm. Imagine having to stop your dungeon crawl, sitting in a tight defensive position, while you all are feverish.”
“ A Deity of some sort has unleashed a plague of bookworms or something like that in the area. Almost all spellbooks are destroyed, along with bardic and historical books.”