Today I found the quest Too High a Price. There is a loan shark involved, and “I tried to return the money, but he is demanding that I pay him a fee of 250 gold! We do not have that kind of money.” The quest reward is 175 gold. Maybe it takes NPCs a long time to make 75 gold. The player, of course, takes the money from someone who needed a loan shark to afford life-saving medicine, in a setting where a plague is transforming people into monsters and potentially devouring their souls.
One notion I like about GW2 karma is that the rewards make more sense and you should feel less like a jerk for taking things from the poor people you are supposed to be helping. The farmer has some spare vegetables, or will give you a good deal on buying sheep.