Sam Cookie was a criminal before the world went to shit. Maybe criminal is too strong of a word for him. He was an aspiring criminal. Years back he knocked up a girl he went to high school with. Turns out she was having triplets. They hastily married. This became a many year resentful marriage which slowly chipped away at his patience.
Racking up gambling debts, and maybe a drug habit or two later, Sam was hurting for money. He was also getting noticed by some pretty shady individuals who may not have his best interests in mind. This lead to him doing some not so stand up things.
He's watched Breaking Bad a few times. One late evening Sam looked into the mirror and said to himself "I'm going to make meth". It turns out Sam was terrible at this task. He did however make very good hard sugar candy - which was a recipe he followed thinking it was meth. So, drug dealing kingpin was out of the question.
This lead to some other get money quick things, some of which may have involved him joining a cult. What did provide some money was outright breaking into peoples houses.
While he may have done some petty robberies here and there, he was eventually convicted of Real Estate fraud right before the the outbreak, but managed to avoid his court date by skipping town. Eventually, he ended up in Chernarus, but he might be in a little over his head. He can falsify loan applications but infected can't be defrauded. Hopefully he'll be able to keep his head low and make some friends, otherwise, his daring escape in his 1982 Ford Fairmont would of been for nothing.
Seeing as the world has been pretty much overrun by the infected, he's determined to try and live a normal (as normal as can be) life before the inevitable death comes calling.