Complications for DCC RPG Characters

Image from Judge's Guild City State
of the Invencible Overlord

It's not uncommon for characters in sword and sorcery stories to have complicated lives, with enemies interfering with their adventures, crime bosses trying to catch them for some debt they owe, cults attacking them for some unforeseen reason they saw in a prophecy. This all the while they are trying to achieve their goals to find a lost treasure, to stop a dark ritual to awaken a sleeping old god and all sort of other quests.

One way to simulate that in our games could be with a simple mechanic like a random encounter linked to each character. Every player could have a complication for his character and once per session the GM could roll a chance for those complications to arise during the game. This would insert more tension in the game and would make the adventures more chaotic, with unexpected events in their way. Since this could potentially screw up all their plans, when the complications show up, the gods could send a favor to the PC in the form of a Luck point to even the odds. That way, a player would have a reason to accept a complication.