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Message: <blockquote data-quote="WaterRabbit" data-source="post: 7612672" data-attributes="member: 2445">This all can work, but only if you never venture too far into Tier 2 play.  However, a small orc horde would completely wipeout any civilization you have as you are implying that the warrior in the army aren't even equivalent to guards in their competence.  The problem is that once you allow for magical organizations like the Circle of 8, The Red Wizards of Thay, Twisted Rune, or even the Cowled Wizards of Athkatla it forces there to be more competent and more numerous skilled individuals in the setting.Also, your $400 to 1 GP is definitely an outlier as it is generally more a $1 to 1 GP ratio.  A single gold piece in your campaign has tremendous buying power.  A single haul of gold from an ancient dungeon would definitely ruin any economy you had and kill any nation (much the way Spain fell into economic disaster).</blockquote>