Something like that is used in The Dark Eye and also in Ars Magica. For every virtue or advantage your character has, you should also select a flaw. This makes

Something like that is used in The Dark Eye and also in Ars Magica. For every virtue or advantage your character has, you should also select a flaw. This makes for some interesting and quirky characters. Some flaws are "easier" to manage than others (having large debts is a good story hook and not that problematic for adventurers, I think. A character having memory issues however is not easily compensated, but may make for interesting role playing).