Give them an adventure in which they are horribly underequipped. Have them die. Go to "heaven", on the way they can see the evils committed against the innocent that their failure has brought upon the world. When they arrive, they speak to a holy messenger, who points out that if they had taken the items that were socially and acceptably theirs through rights of conquest, they would have been able to stop this monstrosity.
Deny them entrance for their "crimes".
Have them slowly wake up, with the messenger chastizing them still...
A neat "only a dream" adventure, with an actual reason behind it. Give them XP for whatever they did manage to accomplish in the adventure... and give them some penalty that they have to get an atonement for, possibly have the atonement be a quest in nearby adventure 3B, where there will be much loot that they really should take.