So if you consider a lot of poor farmers that can't afford basic 1st level spells.....but the tremendous life saving power of a spell like cure wounds...that seems ripe for an insurance concept.
So the idea. The local church requires the peasantry to contribute X per year into the "insurance pool". This gives them the following benefits:
1) Once per week disease and poison screenings, on a specific day of the week. (its a 1st level ritual for a cleric, so minimal resources, its more of a feel good)
2) Every peasant in the pool receives healing for any "life threatening injury" (in dnd terms at 0 hp), but no more than 3 times per year. Aka "catastrophic insurance"
So lets say we have 100 peasants in the pool. How much should "X" be to ensure the peasants can afford to pay but that the clerics are getting a solid return for the risk of having to use lots of healing for an emergency that they could have charged tithes for otherwise.
So the idea. The local church requires the peasantry to contribute X per year into the "insurance pool". This gives them the following benefits:
1) Once per week disease and poison screenings, on a specific day of the week. (its a 1st level ritual for a cleric, so minimal resources, its more of a feel good)
2) Every peasant in the pool receives healing for any "life threatening injury" (in dnd terms at 0 hp), but no more than 3 times per year. Aka "catastrophic insurance"
So lets say we have 100 peasants in the pool. How much should "X" be to ensure the peasants can afford to pay but that the clerics are getting a solid return for the risk of having to use lots of healing for an emergency that they could have charged tithes for otherwise.