Here's how TB does it:
Life as an adventurer can be frustrating. Sometimes your only outlet is to rage against yourself, others, the world or the Immortal Lords. But surviving in a dangerous world requires a cool head.
When you’re angry, you’re not thinking clearly. You can’t...
I've done this with every Birthright campaign I've ever run (like it or not, players...), and can't see why such a thing would not be viable (or even expected) in any pseudo mediaeval or faux-historical setting.
I really like Torchbearer's Twists and Conditions rules for failed skill checks:
Twists are new challenges to overcome. They can be
immediate obstacles—you’re ambushed!—or something
that causes trouble further down the line. Twists can also be
played so that the character appears to have...