Handling Riches and Wealth
In the third edition, the Simulacrum’s social attributes were changed to use the new Characteristics mechanics. These were Education ([adverb] Learnèd), Relationships ([adverb] Sociable), and Riches ([adverb] Wealthy).
In this post, I want to go over my ideas for handling wealth and purchases.
As with other Characteristics, Wealthy is measured from Not (1) to Very (5). Rather than counting the currency, the measurement is an abstract composite of income, credit rating and savings. Not Wealthy means the character is broke and homeless, while Very Wealthy means the character is listed on Forbes’ Billionaires List.
Likewise, purchases are abstract. To make a purchase, the character makes a Wealthy check at Difficulty equal to the item’s Expensive attribute. This ranges from Not Expensive to Very Expensive. If the check fails, then the character cannot buy the item at that time. A Fumble reduces Wealthy by one level, which must be regained in play.
Riches are useful for funding the party’s occult adventures, but also a double edged sword. The wealthier a character is and the more conspicuous their consumption, the more they’ll attract sycophants, con artists, creditors, brokers, and secret society agents looking to prey on such wealth. It’s impossible to fully conceal wealth in modern globalized society, so paparazzi will come out of the woodwork to harass the character and create complications regardless of how reclusively they live.
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