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Message: <blockquote data-quote="Minigiant" data-source="post: 9765387" data-attributes="member: 63508">The issue isn't making money.It's keeping it. In fantasy worlds, the rich and powerful are targets. If you make a big score in a dungeon, you are either (1) blowing it all away in a big trade to another powerful being or (2) investing a chunk of it into protection. Protection that is unreliable because of the quickness you got it.Is your bodyguard you just hired on the up and up?Is the locksmith for your vault easily bribed?Will your food taster get a vice from your big upfront payment to pull them away from the local lord?Will the dragons send his minion to you guards, EAT them, them take your loot?So some take options (3) tithe to an organization that has the structure to handle the loot and call/pray for favors laterOr (4) carry it with you as magic items and run the dungeon treadmill until you are powerful enough to adequately protect your winningAnd 4 is the game. The sweet spot of levels 3-13 are the levels where you are strong enough to be powerful but too weak to hide out.</blockquote>