Speaking as a DM the player character trait that gets old the fastest is the jaded/dismissive one. As in:

Peasant: Oh heroes, please help us!

PC: Why haven't you done the thing yourself?

Peasant: Okay fine I guess we'll do it ourselves and just keep the gold and xp then.
The DM is a player too and there's only so much a DM can endure of PC's dismissing the NPC's before it feels like they're blowing off the DM's ideas.
DM: *plans a dungeon or quest*

Player: "My character needs a motivation to do this."

DM: "Your character's motivation is that you want to play the game."
Player: "Why aren't the villagers handling their own problems?"

DM: "A) because it's baked into the game that your characters are exceptional and B) they're called experience points and you only get them if you experience stuff."
What it may even come to is:

DM: *presents the adventure*

Player: "My character has no reason to do this."

DM: "Okay then the rest of us will play DnD while you watch and your character drinks alone at the tavern."
DnD and similar RPG's are a collaborative effort with cooperation. The DM makes the adventure but it's also on the players to make characters at least a little amenable to going on an adventure without a massive amount of prodding.
Look at the Hobbit. Bilbo Baggins had no personal stake in the Dwarves' plight, no real reason to leave his comfy house. But an opportunity for adventure and travel literally turned up on his doorstep and he took it.
And of course the DM has responsibilities too. The players make characters who are prone to going on adventurers and the DM creates an adventure that exceptional individuals would want to go on.
To land this thread, players can make unassuming or unlikely characters but should still work with the DM in making the game happen and move forward. Samwise Gamgee was just a gardener yet he was one of only two party members to actually reach Mt. Doom.
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