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<blockquote data-quote="kenjib" data-source="post: 979506" data-attributes="member: 530">The problem I have with money in the D&amp;D economy is that it is basically just a proxy for magical gear.&nbsp; Adventurers aren't typically held accountable for any other significant expenses.&nbsp; As a counter example think of treasure in The Hobbit.&nbsp; There are two major hoards:1.&nbsp; Smaug's hoard:&nbsp; This money causes a war because the dwarves become &quot;sitting ducks&quot; with their huge and immobile wealth, and ultimately when that is settled it is used to rebuild the local economy around the lake and the halls of the dwarves.&nbsp; Most PCs just drop the loot in their bag of holding and spend it all on a magic sword or suit of armor.2.&nbsp; The troll's hoard:&nbsp; The party hides the treasure and Bilbo recovers it on his way back home.&nbsp; He uses it to live out a comfortable life of leisure to the end of his days, although most of it is gone by the time he leaves for Rivendell.&nbsp; PCs don't care about a retirement plan.&nbsp; They use all of their loot so they can be better at killing things.&nbsp; Living the good life isn't a typical PC priority (exceptions granted) and campaigns usually don't cover a long enough time span for it to even be pervasive in play.The end result is that the entire D&amp;D economy is based on meta-gaming, and players almost never spend the money the way the characters would.</blockquote>

[QUOTE="kenjib, post: 979506, member: 530"] The problem I have with money in the D&D economy is that it is basically just a proxy for magical gear. Adventurers aren't typically held accountable for any other significant expenses. As a counter example think of treasure in The Hobbit. There are two major hoards: 1. Smaug's hoard: This money causes a war because the dwarves become "sitting ducks" with their huge and immobile wealth, and ultimately when that is settled it is used to rebuild the local economy around the lake and the halls of the dwarves. Most PCs just drop the loot in their bag of holding and spend it all on a magic sword or suit of armor. 2. The troll's hoard: The party hides the treasure and Bilbo recovers it on his way back home. He uses it to live out a comfortable life of leisure to the end of his days, although most of it is gone by the time he leaves for Rivendell. PCs don't care about a retirement plan. They use all of their loot so they can be better at killing things. Living the good life isn't a typical PC priority (exceptions granted) and campaigns usually don't cover a long enough time span for it to even be pervasive in play. The end result is that the entire D&D economy is based on meta-gaming, and players almost never spend the money the way the characters would. [/QUOTE]

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