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In England many avoided full blown knighthood to avoid the expenses and duties, but were as wealthy and well-armed as knights. While not technically knights, members of the gentry were held to the same code of honour and indistinguishable in battle.

A quick word of caution on using modern economics with D&D. While micro-economics is improving and reasonably useful, macro-economics lags some distance behind. A glance at any major analysts results will show just how far off economic models are. One report concluded (somewhat snidely) that the...