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>If they are so powerful, they can handle liches and dragons, how come they don't just take over?

>The mandate comes from who has the bigger stick, after all (see William the Conqueror), and nobody has bigger stick than high level adventurers, nevermind a whole GUILD of them

>And if the king does have a bigger stick, in the form of armies or knights, why do adventurer guilds exist at all?

>Why do they do what they do? How and why did the guild form in the first place? Do they hunt monsters? Okay, fine, what's the definition of a monster?

>Who pays them? Presumably, the villagers can rack up enough money to reward some orc killers, but who pays for much bigger contracts, like lich killing or vampire slaying? Only a really rich person can pay enough money for that.

>Do they complete quests for kings, then? What if a quest gets political, like a lot of them do? What if one king asks the Guild to work against another king? Is the Guild apolitical? Are there many guilds in different kingdoms? Are there factions within a guild? What if the king is a vampire, and therefore a monster?

>What's the hierarchy? If the guildmaster gives you an order, do you have to obey it? If the guildmaster has an opinion on how your contract should be fulfilled, or whom and on whose side you should fight, do you have any say in it?

>Why join the guild in the first place? What benefits and downsides it introduces? What if somebody doesn't WANT to join the Guild? Do you have to pay the adventurer tax if you're not a part of the guild? Does the guild take a cut of your income? What if there's undeclared income? What is the Guild's tax policy?

Because it begs the question ofAnd if you ignore that, there are other questionsNow, if you center your story around those issues and problems, it could potentially result in a very interesting adventure. However, most of the time the adventurers' guild is used as a lazy cop-out, and NONE of those issues are ever adressed.It's stupid.