Maxperson
Morkus from Orkus
I would go further than you have here (and I think you might come along with me).
I agree that your examples (the Yuan-ti and the gold), as presented, seem like fairly unexciting play. But I treat that just as a function of toy examples in a post to make a point.
I'll give a real example, from actual BW play:
A PC has (as two of three Beliefs) I will free my brother from possession by a balrog and I'm not leaving Hardby without gaining some magical item to use against my brother. The very first scene, that started the campaign, found this PC at a bazaar where a peddler was offering an angel feather for sale (ie a magical item that might be useful in dealing with a balrog-possessed mage).
This sees those two beliefs (one as instrumental to the other) engaged right away. And it doesn't make for poor play at all!
Now the retort might be that was GM framing. But I don't think that makes any difference.
My retort, and it really isn't a retort, but rather just a statement of preference, is that it seems too easy. For me, something that important to my PC should take some work to locate. That work adds extra meaning to my success when I finally find the item I need to free my brother from his possession. Is there a reason why instead of starting the scene where the feather was located, you didn't start the scene at a place where a guy knows a guy who knows a place where such things can be found?