Hussar
Legend
And absolutely none of those are "reluctant heroes" who just want to stay home and not adventure. Good grief, I'm running Out of the Abyss right now and it starts with everyone as captured by the drow from various places. And, surprisingly enough, not a single player brought a character to the table who said, "Well, I guess I'm a slave now. Guess I'll be the best slave I can be."D&D does reluctant heroes just fine. I’m not sure why you think it doesn’t. “You meet in a tavern” isn’t compulsory you know - it isn’t even in the rules. Escaped prisoners, shipwrecked travellers, people whose village has been destroyed by monsters - all very common ways to start a D&D campaign.
The whole point of this little sidebar is your claim that players will bring characters to the table who aren't adventurers and who won't voluntarily go into danger. All things that are 100% NOT supported by anything in the actual text of the game.