The Fallen King
The world is a ‘high magic’ fantasy world. Magic is common and while people may in general be impressed by it, no one is shocked or calls for a mob with pitchforks. Magic items are expensive, but purchasing them is possible if someone has access to enough coin.
Large and powerful empires used to occupy the world. They were destroyed after Denskel defeated Cerald. There are many forgotten ruins and dungeons to explore. Much of Maldin is still uncivilized and many areas are unclaimed and require people to fend for themselves.
NPCs are not all 0 level characters who couldn’t possibly stand against the players. A city guard might be a 2nd or 3rd level fighter, a trained soldier would be 4th or 5th level. Adventurers are not the most powerful people walking the planet and it would not be unusual for a veteran soldier in the military to be above 10th level.