This is my favorite quote from the origin story of Belkar Bitterleaf:
"Basically, an adventurer is an armed vagrant who solves more problems than they cause."
- Rich Burlew
Yes, yes, and yes. Well, generally that last bit. It's more like, "in general" or "hopefully" solves more problems.
Otherwise they're more like the guys from Will Save the World For Gold (posted here a while back.)