VERY, And not really. Some of us ( the kid next to me right now) Will beg the DM for a better starting package. But I will loan money to someone who needs it, give the armor of my back if it better fits someone else(Did that for a friend in the last one, needless to say, it was the DM's PC), and kill the theif that steel 20 of my gold when I have 1200.( that almost happened too)