All these suggestions are based on rules and source material owned and copyrighted by Hero Games. I've deliberately stripped out most of the rules in the interest of non-infrigment.
These aren't in any order. They're just meant to be suggestions for problems common among costumed crime fighters. If you have an idea that isn't listed here, please run it by us.
Most superheroes lead a double life. After all, nobody wants to wear spandex and a cape 24x7, right? That doesn't have to be a problem. Some heroes have bosses and wives that understand about using their superpowers to defeat evil. But that doesn't seem to be real common.
Most heroes want to keep their heroic lives secret from their friends and family, and get into ridiculous situations doing it. The possible problems are obvious and pervasive throughout superhero comics and TV shows.
On the other hand, some heroes have had no luck keeping their real name a secret, and are hounded by the media wherever they go. Not having to keep a secret sounds great, but imagine... You're the legendary superhero Captain Toast, and you've just lost the fight of your life with the unstoppable and deeply villainous Doctor Iron. You're so tired you can barely stand, and the small fraction of your brain that can still think is busy hoping they won't have to amputate the toe that Doctor Iron's golem stepped on. All you want now is a hot bath and a long nap. When you get to your house, the media are camped out, and they're asking how you feel about this tragic defeat. Argh.
This can cover a lot of ground. The most basic example would be a character who was genuinely *not* superhuman. That means you can't raise any of your stats beyond the level of a superb-but-ordinary human's. That may not sound bad, but it means that the real superheroes will be able to outclass you in any number of ways, so it's worth a lot of points. You can get even more points for being older or infirm, which further limits how high you're allowed to buy your stats. I can't really recommend this one, but if your character concept involves being a normal human with lots of skills and gadgets, it's a way to get a lot of points that won't interfere with your idea.
You also get points for disfigurements. If you wear an eyepatch, you can get a few points for having only one eye and lousy depth perception. If you're extremely odd-looking and people have a strong reaction to your presence, that counts for something.
Finally, if you have a vulnerability to certain types of attack, or if you need some unusual substance to stay alive, that's worth points. I once played a character whose schtick was control of kinetic energy. If his movements were restricted, his internal "reservoir" of KE would build up and overload, causing him physical pain.
Superheroes' social lives get complicated very easily. Reporters follow them around, get into trouble, and have to be rescued. Police don't understand them and try to arrest them. Villains get upset about those constant defeats you hand out and plot your demise. Sometimes they also pick up reputations- perhaps for being a do-gooder that a clever villain can dupe, or perhaps for being a relentless killer that the police really ought to do something about.
Those sorts of problems sound like the biggest pains of all- it's not especially fun to have to keep rescuing your kid sister from evil. Don't let that put you off. They can also be the most interesting to role-play. Having to invent someone to keep saving or someone to stalk you can help flesh out your character, or take it in directions you wouldn't ordinarily have thought of.
As Alan Moore pointed out in _Watchmen_, any superhero has some basic mental issues. It's just not normal to dress up, fly around, and fight bad guys. You get no points for that one. But your mental problems don't have to stop there!
After all, any aspect of your personality that causes problems for you can be worth points. Many heroes in books aimed at the younger market absolutely refuse to kill, for example. That's worth a few points. If other characters don't share that feeling, and your personal code leads you into conflict with them frequently, then it's worth even more points. If you're reckless and never back down from a fight, you're going to get in some trouble, and you should be compensated for that.
Some less heroic examples include having an uncontrollable temper, or an enemy you're obsessed with bringing down. Having a bad temper doesn't sound so bad, but one that's literally uncontrollable is. It can lead you into killing defenseless enemies or even the innocent. Obsession can cause you to spend more time tracking your old nemesis than facing the problem that's right in front of you.
Even in a superhero game, some people just never catch a break. You can get a few points for having an ongoing negative relationship with Lady Luck. We prefer to keep this a small-time problem because otherwise it gets ridiculous.