a) The very first quest difficulty
Started a new game, after finishing the tutorial quest went to look for contracts. The only one aviable in that region was a 3 skull werewolf one. So 7 werewolves against 8 low equip lvl 1 dudes. Imo this kind of situation should not appear where the player has simply no options from the very start. Either take on a suicidal mission and hope for a wonder or lose everyone while you try to get to next quest location without money.