When I used to play and was DM I found it best to pick one of the people in the group and pick on them. It usually gets things a little more emotional and makes for a more interesting experience. So poor Darth Adventurer would get robbed, then go to a bar and wake up with no clothes in the alley behind it, then go adventuring in the cave by town and have a kobold jump from behind a rock and whack him, etc... Basically just make it as horrible a day as possible for one person, or even rotate every half hour or so to make it a little more interesting.