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Message: <blockquote data-quote="The Grumpy Celt" data-source="post: 4023987" data-attributes="member: 1019">Here’s me blowing my own trumpet…I wrote about a lot of this and covered a lot of this material three years or so ago with ENWorld’s Banking Guild Book. It covered different kinds of current, central banks, loans, inflation, insurance and even rudimentary stock exchanges in addition to rules for paper money (including promissory notes, which are easier to haul around than large amounts of gold) and a monster that transformed precious metals to lead.I came around to this while reading about the rules for building castles and thinking about all those vast and terrible dungeons and wondering how the antisocial lichs and what not covered the construction costs. It finally came to me they must have taken a loan and that the place is mortgaged to the hilt. This in turn lead to me think up a Terry Pratchett like scenario where a lich has defaulted on his mortgage payments for his evil lair and the bank hires the PCs to go roust him out or at least to collect the payment owed for the last three months.My approach was to not to fix problems in the economic model postulated by the PH and the DMG, just to provide some additional tools the DM and PCs could use as they saw fit.</blockquote>