Adventurers are, famously, heavily armed murderous hobos who show no respect whatsoever to anyone who isn't in their clique of 4-6 similarly minded individuals. They poke around in terrifically dangerous caves and crypts on the off chance that one of their might contain treasure, slaughtering any creature that objects to this behavior.

Once successful, they break open chests full of archaeological treasures like piggy banks, and refuse to spend their ill-gotten gains on housing, food, or anything but weapons, armor, and magical items. They treat being reminded to eat and bathe as nuisance bookkeeping, have a statistically unlikely probability of being orphans, and regard entire species that consider them to be mortal foes as "cannon fodder".

I would assume that they owe back taxes.