A thought exercise for Players and DM's

Lord Zardoz

Explorer
I am sure many of you have heard of Bernard Madoff and his massive Ponzi scheme. If you do not know what I am talking about, take a moment and enter "Bernard Madoff Ponzi" into google. Dont worry, we will wait for you to get back.

Up to speed? Good.

Now, what if your D&D group wanted to run a Ponzi scheme on NPC's in game? How would you try to run it? If you have ideas, just pick your favored edition and run it. Heck, if you prefer Shadowrun, D20 Modern, or some other system, go ahead and lay out how you would express the plan within those rules.

And as a DM, how far would you let the players run with it, given the potential for the players to obtain huge and unbalancing amounts of wealth?

For my own thoughts, I would probably work out a series of Bluff and Diplomacy checks as a reasonably difficult skill challenge, and make the players run through a few specifically chosen targets to obtain victims. They would actually have to work out how to get the money to and from each investor, and they would need to operate in a reasonably large city. Something closer to the larger cities in the Forgotten Realms setting in 3rd edition than the standared 4th edition 'Points of Light'. After a while, I would probably let the skill challenges be ongoing within a given city, and work out a formula to determine how much of the cities wealth they could tie up before the scheme collapses in on its self.

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Wealth & power are like magnets for other wealthy and powerful people/things. Not everyone will be pleased with the PCs ability to scale the economic ladder, and with RPGs, matters are somehow solved with violence. Let Bernie "The Wizard" Madoff work his wealthy magic... for the right price the dragon behind the scenes will let him live to earn more gold for it tomorrow.
 

A really good thought experiment. Especially for a politically and financially based series of adventures.

Suppose also though that a trusted NPC wanted to run such a scheme on players and furthermore do it in conjunction with a series of adventures so that if it worked as the NPC wished none of the characters lived to figure out how they had been schemed?

In either case I wouldn't run it as a series of skill checks, but as a real scam, with am possibly expose-able evidence trail.
 

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