Prior to becoming a mercenary, you lived a life of plenty. You did not go hungry, you did not have to worry about violence or crime. Money and means were also both in abundance. However, you did not develop a tolerance for stress, nor can you stand having too little in terms of comforts. As a mercenary, of course, you were forced in some way to adapt, albiet uncomfortably. By some means, you were forced from luxury, albiet with some gold left in your pocket. Common examples of this background include former nobles or mayors of inner islands, the scion of a high-ranking navy officer, or a merchant who once was quite successful.
Your Stress Maximum is 18, you become afflicted at 9 Stress.