Someone has to keep the fantasy tavern job sector afloat. Long-held genre tropes suggest that the people who make sure that taverns stay open year after year are the adventurers.

I'm relatively certain that there's a hefty insurance premium that they pay in order to be able to stay in business.

"Oi, right. Looks like you've 'ad another muckle o' trouble this sennight, eh?"

"Yeah. Bloody Silver Hand came through, tried for a hit on some out of town wizard. The wizard animated the furniture, called that tree...thing to his aid, and then finally called down fire from the sky and teleported out. An awful mess he made. What do I owe you this time, Bobby?"

"Well, you gotcher two ducats fer fire, wizardy, and flood, roight, plus another ducat for unintentional summoning; I loike yer face, so I'll not 'old you accoun'able for the charm spell wot brought that minotaur in 'ere. 'E seems loike a good addition to the wait staff, belike. But I'm mort sorry that Oi've got ter insist we bump up yer coverage fer 'Peasant, NPC, and Bystander Death" payouts up a full ten ducats. Croikey, mate. It was a roight bloodbath. Twenty claims! This is 'ow you run a business, loike? Cryin' shame. Yer dud, 'e never would 'a let such riff-raff in, 'e would."

"Bloody hell. I'll get a draft from the bank,"