Life in Vvardenfell isn't easy -- especially if you are an outlander. Guards will write you up for no reason -- sometimes they'll just out an attack you for no reason at all. And when they hit you up, you know they are going to take all your armor claiming it is "stolen". Stolen? That is the third set of bonemold armor I've bought, thanks to them! And my companion, that psychotic little witch, she'll try and "help" me in these situations with a poisonbloom that turns a managable 40 gold fine (plus a lost set of armor) into at least a 1040 fine, once it went over 2000 gold! There is no way my new character could afford that, so he had to turn to the thieves guild for protection.
Daggerfall is no picnic either. I mean, I knew knights were honorable and all that but I screw up one little (well, OK, important) artifact quest and they won't speak to me? Wow. No chances there.
Oblivion has a bunch too.
Little things like these really enhance the game, in my opinion. They add an element of unpredictability that adds an unexpected sense of wonder. Floating paint brushes? Who knew? It really is a magic place.