The world you live in is a dangerous place.
A millennia ago these lands were united under the Silver Empire of Nerath, but now all that is left of that order are distant memories.
In its absence, the countryside has become dominated by monsters, and even the largest of cities wall themselves off to deter outside threat. Travelers are rare and, by necessity, large armed groups who must be prepared for danger at any moment.
The one exception to this rule are those like you who consider themselves Adventurers.
Rather then take up a sedentary life of farming or fishing, you make your living venturing into and standing up to the unknown.
Whatever your reasons may be, where others see this obvious danger you see opportunity.