The business of dungeon-delving isn’t the easiest. Oh, sure, you might triumphantly emerge with sacks of loot, taut triceps and a shiny new sword, but you might also be returning short a limb or two. Some don’t make it back at all. Not to mention that being underground all that time does terrible things to your skin.
What you need is a union. Or perhaps a guild: a Guild of Dungeoneering. Yes, some sort of bureaucratic organisation designed to support your professional endeavours. That’s what you need. They’ll take a cut, of course, but they have your best interests at heart… don’t they?