How much gold do you have?
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Thanee said:The biggest problem would be, how do you identify yourself?
With all the magic out there, it would be fairly easy to rob such a bank, unless - as stated above they would use pretty ridiculous amounts of magic on security.
Bye
Thanee
I would say magical means. Soul-printing or somesuch. Perhaps the note itself is magical and glows when the owner holds it. Of course no spells are written for such a thing, because it dosen't involve blowing monsters up.
I wouldn't put such spells at a terribly high level either, so you wouldn't need a huge staff of powerful wizards and clerics at every location.And I don't agree that they would necessarily be easy to rob just because magic exists. How does the king keep *his* treasury safe? I assume it must be, or the kingdom wouldn't hold up for long. How does the evil wizard keep his fortress secure? Going that route, I would imagine an organization powerful enough to consider backing such notes and issuing loans would collectively be substantially more powerful than a single crazed wizard, and potentially even the king of a nation.
Any large organization would probably keep a good amount of cash on hand, regardless of whether they're holding it for others or using it in their daily business. I doubt they would keep millions laying in the back room, but they could (for example) make a extra-dimensional space (bag of holding-esque) that could only be accessed with a magical key, coded to the local master. Magic isn't only good for offense, it makes a good defense too.
The Goblin King
First Post
Alchemist said:
I had something like that once IMC. A powerful banking guild had a super-secure safe. Inside the safe were row and rows of safe deposit boxes. The boxes could only be opened with two different keys. Inside each box was a portable hole. Sometimes a very big portable hole. It really showed how much clout these guys had and if they had that much cash you did NOT want to mess with them.
Jeff Wilder
First Post
My character is 7th-level and has just over 3000 gp. However, that is earmarked for wondrous item creation, so he actually only has about 400 gp liquid wealth.
His net worth? Hmmm. Good question.
Mindscape helm (includes functions of comprehend languages, read magic, headband of intellect +2): 11200 gp.
Periapt of wisdom +2: 4000 gp.
Scrolls and potions: 2500 gp
Undiminished star: estimate 500 gp.
Coins and gems: 3400 gp.
Weapons and gear: 800 gp.
That comes to: 27,400 gp. (It doesn't include the value of his spellbook, which is 3700 gp, nor "group funds," which comes to about 1000 gp.)
Normal wealth for a 7th- to 8th-level PC is 19,000 to 27,000 gp, so -- considering the spending of XP in crafting the items above for half-price -- I'm probably about right.
His net worth? Hmmm. Good question.
Mindscape helm (includes functions of comprehend languages, read magic, headband of intellect +2): 11200 gp.
Periapt of wisdom +2: 4000 gp.
Scrolls and potions: 2500 gp
Undiminished star: estimate 500 gp.
Coins and gems: 3400 gp.
Weapons and gear: 800 gp.
That comes to: 27,400 gp. (It doesn't include the value of his spellbook, which is 3700 gp, nor "group funds," which comes to about 1000 gp.)
Normal wealth for a 7th- to 8th-level PC is 19,000 to 27,000 gp, so -- considering the spending of XP in crafting the items above for half-price -- I'm probably about right.
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diaglo said:next step is credit cards.
yeah, i played with a DM who issued magic credit cards good all over the campaign world.
b/c he didn't want to deal with encumb. nor figuring out our wealth.
broken ...very broken campaign.
Hehe. In my first D&D experiences the DM (my best friend) made Infinite Rations available for the staggering cost of 10gp. Everybody used Ranseurs (I think that's the weapon with the greatest damage in 1stEd) with no regard for proficiency or the size of the weapon and we met Primus in our first dungeon. Good times.
I suppose magic credit cards could potentially be a logical product if the magic level were high enough in a game, but if we're going to assume the march of innovation never stops it wouldn't be too terribly long before our campaign worlds look more like Mystara than 13th c. England. Whatever turns your crank, as it were. I'm happy stalling the magical-technological (they're really the same thing, after all) march in a Renaissance/early industrial revolution mode, based on the spells available to relatively common spellcasters. The mileage of others may vary.
