Thanks to Folkways, I was thinking about heroes who aren't necessarily the ones who've trained to be heroes their whole early lives, but the peasants, royal attendants, and privateers. So far, the only advice on "average" people is to roll their stats as 40+2d10 per stat, and I've been thinking of a point buy method for "lesser" heroes but haven't come up with something I'm sure of yet, other than that they can eventually reach adventurer status.
I was thinking of limiting it to the Folkways professions to start as well. This isn't the king or local lord saying "X happened, I need you brave people to fix it" and more "X happened in your town, five minutes ago, what are you going to do?"
Yes, well and verily a Peasant's Quest.