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Message: <blockquote data-quote="Mistwell" data-source="post: 524293" data-attributes="member: 2525">Re: You miss the pointRent is assumed to be in your character, even at a Wealth score of 0.  It is replaced by the house montly payments.A car and car payments are not assumed  to be in your character.  You take public transportation, borrow someones vehicle, get a ride places, etc..., when you start the game.  Therefore the entire value of the car, payments and all, are in the cost of buying a car.It has a uniform way of dealing with installments.  You are just confusing the built-in rent payments with the rest of the installment system, even though rent payments is the only known exception to the rule that installments are assumed in the initial price of any purchase (which is the case in real life, with interest representing the lost opportunity cost of having the money up front).Of course there is no chronic tax evasion - it is assumed the cost of avoiding taxes is eventually made up for by being caught, or having to spend differently on slightly more expensive things or paying for accountants etc...Did you REALLY want THAT level of realism in your game, accounting for taxes?You are right, homelessness is not assumed in the rules.  You really think that was a "flaw" worthy of a house-rule for your game?Again, I see nothing wrong with the wealth system for expensive items. It works almost perfectly.Much like real life, it is easier to make money if you have money.  You split the wealth as evenly as possible between the players (and you can keep track of fractions if you feel the need).  The player with a naturally higher wealth score is just in a better position to take advantage of the new wealth than the player with the lower wealth score.Again, there is a consistent way of handling installments, you are just frustrated by the single exception of rent being built into the wealth system to begin with.  Nor do I see the "problem" you are trying to correct for. I honestly think your house rule is going to result in mucking up the wealth system in your game, and you will find your players will not enjoy things as much.  But more power to you for trying - let us know how it goes.</blockquote>

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