Tweak one of deathwishjoe's ideas ...
Commoner 1 with nothing, straight 8s, no skills, no feats
20 gp will buy 1 or 2 castings of Hypnosis.
Walk up to Mrs. Bipple-bapple, your favorite next door neighbor.
You've managed to Take 20 on a Diplomacy check sometime while growing up.
"Hey, could you be *Helpful* and come with me to the Wizard 15, tomorrow?"
"Sure."
Later the Wizard casts the Hypnosis on Mrs. Bipple-bapple, for 10 gp.
If it doesn't work the first time, it might just work the second.
Now she's *Fanatic*.
"Mrs. Bipple-bapple, give me all your money."
Mrs. Bipple-bapple is an NPC 2, and has 2000 gp, which she gives to Commoner 1.
Commoner 1 says to Wizard 15 "Cast me a Polymorph Any Object, and here's the jink."
Commoner 1 now is a Beholder.
Commoner 1 immediately goes and finds another *helpful* neighbor, who is also NPC 2.
Repeats the above process, to make it permanent.
That ought to work.
PS - man the wizards site has been terrible lately. I searched for pun-pun and was denied permission