“ All spell casters gain their abilities through a form of demon possession. So in order to gain magical abilites, PCs must track down and trap demons. Of course there are some pretty powerful demons, if the demon is stronger than the PC, the PC could find themselves subjugated to the Demon's will.”
“ A wizard has cast a slow action freezing spell upon a PC. The air gets colder around the PC by one degree a day. If the spell is not broken within a few weeks the PC will freeze and die.”
“ A possible answer to what happens to spells when a mage dies. If the spell is strong enough, say and enchantment or other permenant effect, part of the mages spirit may become lodged in the magic. It may be a way for items to gain some kind of intelligence, but a mage who has knowledge of this fact would be very hesitant about enchanting anyone or thing. He might have other plans for his afterlife than counting the change in your bag of holding.
Preists, I think, would have this sort of thing covered.”