Lanefan
Victoria Rules
Question: were the rest of the PCs similarly impoverished, or had your PC just been unlucky?A few years back a.GM at my table was running a game wherey character was a Fighter from the Rules Cyclopedia. 1st level. He set the game in the Harn world.
One player lost a character to a single wolf in the first encounter. For the rest of the first level we avoided everything, only fighting when we had no chance of sneaking or hiding. We found just a couple bits of treasure since we avoided encounters.
When I hit 2nd level my fighter had a dagger some chain armor, and a single long stick I sharpened into a spear during the campaign.
Eventually we found ourselves in a town where my destitute fighter was sleeping outside because I was homeless and didn't have money to afford a common room in the inn.
At this point I tapped out and told the GM I wasn't interested in playing his misery filled campaign anymore. It's simply not fun to spend my 4 hours a week I get to RPG playing some poopy character that is less successful at life than the actual life I am seeking a break from.
Your GM must have been giving xp for avoiding encounters (which is good) if you got to 2nd level with basically no treasure. That said, even though your party lost a character early on there's still a certain amount of risk-reward correlation to keep in mind: your lot nicely avoided the risks but in so doing also very neatly avoided the rewards.