Oh, I thought about that. If Larian will go this way, that will be the excuse they might end up using. One little problem however:
That's an entire human's lifetime. My character can't be that old, unless they are an elf. And any human who managed to acquire such wealth and influence in a shorter time span should be recognised by both Flaming Fist and Duke's advisor
on sight. After all, they do recognise Wyll!
Because of this discrepancy, I think the opposite approach is much more likely to be used: a Noble whose father / brother / etc. has lost their family's fortune through careless investment, lawsuit with their neighbours, reckless gambling, courtesans, that special Calimshite "spice", take your pick. Losing money doesn't require much skill, and as such doesn't raise questions. It will, however, raise some eyebrows, because in medieval-based setting (which DnD is) nobles cling to their status even when they have lost everything else.
So, sure, Larian can try to make us believe that our Noble MC actually lives in that dilapidated excuse for a house, but it will be very, very far-fetched.
