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Message: <blockquote data-quote="Crazy Jerome" data-source="post: 5683137" data-attributes="member: 54877">With magic items disentangled (and made more odd-ball and powerful but also more rare ... but I digress), an abstract wealth system similar to the Burning Wheel resource system would actually work fairly well.  BW resources are abstract, but there are a few fiddly bits to help manage found treasure and so forth. Basically, finding a haul is a mod to a resource check, but once used it goes away. (If the haul is big enough, you can divide it over several lesser checks.) So killing the adult dragon and taking all of his stuff means that the party gets to do one big "we are flush with gold" resource thing, but then they go back to normal.  Thus, the dynamic becomes that if the party needs a ship, they get the ship the way adventurers would get it: They steal it. Or they hoodwink someone. Or they get a big favor from someone that has the money. Or if they want to buy it outright, then the easiest, fastest way for them to get the money is not to change their wealth status, but to get a big haul on an adventure.  As far as I'm concerned, that is the main reason to have an abstract wealth system (or not, as your preferences dictate). If getting a ship is about those kind of activities above, then an abstract wealth system will work with you to encourage getting the ship that way. OTOH, if you want getting a ship to be about painstakingly fighting your way out of (relative) poverty bit by bit, then you want all the details and scrapping ever copper out of old short swords. Both can be fun, as long as everyone is on the same page.</blockquote>

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