WhatGravitas
Explorer
Alternatively, you could simply disallow the use of action points. PCs *are* hurt by this, and so are Elites and Solos. And I think it represents bad luck to some extent.4) Bad Luck works like the trickster's disposition power: once per day, the DM gets to tell the player that any d20 roll they just made is actually a 1, with no rerolls allowed. Alternatively, it applies only to certain rolls: daily powers, saves, rolls made within ten squares of a black cat, one roll per encounter, etc.
I'm also wary of Ill Health. You could just change it to "infected with a disease of your level or lower and cannot be cured, as long as the curse is active" - it's more interesting than a plain -4 penalty, I think.
Cheers, LT.