Sounds like a fun session. I like your twist on things; the world is a dangerous place. Does everyone of the PC's have an irrational fear of something?
Good stuff.I made a random chart of liabilities and ruled that if a player wanted to roll on the chart I would give him extra skill points. Here's the chart for your amusement. These are all real things. I learned a lot of them from the "Psychosis" and "Sleep Disorders" episode of Caustic Soda the podcast.
01 Achluophobia/Lygophobia- Fear of the dark.
02-03 Acrophobia – Fear of heights.
04 Amaxophobia/Ochophobia- Fear of vehicles.
05 Apotemnophobia- Fear of persons with amputations.
06 Atephobia- Fear of ruins.
07-08 Automatonophobia- Fear of ventriloquist's dummies, animatronic creatures, wax statues, androids and human-shaped robots – anything that falsely represents a sentient being.
09-10 Aviophobia or Aviatophobia- Fear of flying.
11-13 Bacteriophobia/Microbiophobia/Misophobia/Spermatophobia – Fear of being contaminated with dirt or germs.
14 Ballistophobia- Fear of missiles or bullets or Hoplophobia- Fear of firearms.
15 Bathmophobia- Fear of stairs or steep slopes.
16 Bibliophobia- Fear of books.
17-18 Blennophobia- Fear of slime.
19 Botanophobia- Fear of plants.
20 Brontophobia- Fear of thunder and lightning.
21 Cacophobia- Fear of ugliness or Dysmorphophobia- Fear of deformity.
22 Carnophobia- Fear of meat.
23-26 Claustrophobia- Fear of confined spaces.
27 Cnidophobia- Fear of stings.
28 Coprophobia- Fear of feces.
29-30 Coimetrophobia- Fear of cemeteries, graveyards, burial mounds, etc.
31-33 Cynophobia- Fear of dogs.
34-35 Demophobia- Fear of crowds. (Agoraphobia)
36 Dendrophobia- Fear of trees
37 Domatophobia- Fear of houses or being in a house.(Eicophobia, Oikophobia)
38-41 Entomophobia- Fear of insects.
42-43 Equinophobia- Fear of horses.
44-45 Gerontophobia- Fear of old people
46-48 Hemophobia (fear of blood). Make a backbone check or pass out at the sight of blood. After 1d10 rounds you'll come to on your own, or someone else can bring you out of it with a Medical check.
49-51 Herpetophobia – Fear of reptiles.
52 Hobophobia- Fear of bums or beggars.
53-54 Homichlophobia- Fear of fog.
55-56 Hydrophobia – Fear of water
57-58 Iatrophobia- Fear of going to the doctor or of doctors.
59 Ichthyophobia – Fear of fish.
60 Katsaridaphobia- Fear of cockroaches.
61-62 Mechanophobia- Fear of machines.
63 Megalophobia- Fear of large things.
64 Necrophobia- Fear of death or dead things.
65 Nudophobia- Fear of nudity.
66 Ombrophobia- Fear of rain or of being rained on.
67 Ornithophobia- Fear of birds.
68 Pedophobia- Fear of children.
69 Pyrophobia- Fear of fire.
70-71 Radiophobia- Fear of radiation, x-rays.
72 Xenoglossophobia- Fear of foreign languages.
73-75 Animosity towards opposite gender (or pick one if you are a hermaphrodite). You have -30 on skill checks when interacting.
76-79 Animosity towards humans or mutated humans or mutated animals (pick one that isn't your own kind). You have -30 on skill checks when interacting.
80 Speech impediment (stutter, lisp, etc). -30 to Speech/Bluff
81-83 Snores (attracts unwanted attention in the dead of the night while in sandshark territory)
84 Alcoholic. “I drive better when I'm drunk!” See effects of hypoglycemia.
85 Colour Blind
86 Cannibalistic (humans only). It's your secret shame. Usually people will try to kill you if they see you eating human flesh (also known as 'long pig'), but it's worth it because it's so very very tasty.
87 Hypoglycemia. You need to eat every few hours or you get 'hangry' – which is to say you get bad-tempered, make poor decisions, and have trouble concentrating. When you've got low blood sugar you suffer cumulative -5 to Brains-linked and Bravado-linked skills every hour (minimum score equal to your linked attribute). This is a bad disorder to have along with cannibalistic tendencies.
88 Hoarder. Your collection of useless junk is slowing the party down. Also, -20 to Barter skill checks.
89 Cotard's Syndrome. You believe you are dead and rotting away. You won't carry food or medical supplies for yourself.
90 Alien hand syndrome. One of your hands acts independently of voluntary control. Often your 'rogue' hand will perform unexpected but innocuous tasks, but may wield weapons or grope companions at inopportune times. Whenever you make a successful skill check but the dice roll comes up with a '9' in it, your rogue hand has sabotaged the attempt by countering your action or just getting in the way.
91 Homicidal somnambulism. Like sleep-walking except replace 'walking' with 'murdering.' Every time you sleep for more than a few hours, there is a 10% chance you will get up and try to kill someone. It is extremely difficult for anyone to wake you during one of these events – you must be restrained and wait for 3d10 minutes or have someone successfully treat you with a Medical skill check.
92 Congenital Insensitivity to Pain. The good news is you don't have to make Endure checks to stay conscious when you take massive damage from mutilation. The bad news is, once you've taken a wound, you take an additional 1d10 damage each round thereafter that you remain active (i.e. not lying down), because you don't realize you're not supposed to walk on that bloody stump. This remains true until you are fully healed, or until someone rigs up a post-apocalyptic wheelchair for you to get around.
93 Pica is a compulsion to eat non-edible objects. Sufferers have been known to consume paper, dirt, paint, hair, glue, rocks, lint and laundry detergent. Related disorders include acuphagia (the eating of sharp objects) and hyalophagia (the eating of glass).
94 Capgras delusion is a mental condition in which the sufferer comes to believe that someone close to him – typically a spouse or family member – has been replaced by an identical imposter
95 Moebius syndrome is a neurological disorder that affects people from birth and is characterized by the inability of its sufferers to form facial expressions. People with Moebius syndrome are unable to move their facial muscles, meaning they can't smile, frown, suck or even blink their eyes. They are also unable to move their eyes from side to side and have difficulty swallowing.
96-99 Narcolepsy. You fall asleep at random, unexpected times. Whenever you make a successful skill check but the dice roll comes up with a '9' in it, you nod off and your skill check fails.
00 Something else
A NOTE ON PHOBIAS: Whenever you encounter the object of your phobia, you must make a Backbone skill check to avoid having the following symptoms: extreme sensations of terror, such as breathlessness, excessive sweating, dry mouth, feeling sick, shaking, heart palpitations, inability to speak or think clearly, a fear of dying, becoming mad or losing control, a sensation of detachment from reality or a full blown anxiety attack. Needless to say, if your character experiences these symptoms she will usually flee the encounter if possible. You can make Backbone checks each round (if in combat) or each minute (if outside of combat). Even if you make a Backbone skill check, you are still at -20 on all skills that require interacting with the object of your phobia!