IceFractal said:
"Drat, another nuisance monster. Sheriff, round up a dozen or so men and go slay it."
IMC, which is high-powered with scads of 10th level NPCs, this is pretty much what happens.
Why are heroes needed? Well...
Mayor: "Sheriff, I want you to round up a dozen or so men, go into the swamp, and kill that hydra."
Sheriff: "Nope."
Mayor: "Well why in the hells not?"
Sheriff: "Ain't gonna leave the town defenseless. We got them gnoll raiders up north what might decide to come down, we got two sightings of a wyvern over by the western hills, and I'll be damned if I'm gonna take a dozen men into that swamp, just to find out the hydra and his wife and his kids and his pappy decided to come eat the town while we're gone. Nope, I'm stayin' right here. Get some idiots -- I mean, get some
heroes to go smoke him out an' lead him back here. I'll be mannin' the palisade."
Basically, given the
mobility of D&D foes, it's insanity to leave a town undefended, and expect anything to be left when you come back. So NPCs are terribly conservative -- particularly with their own lives.
IceFractal said:
If a dozen guards with crossbows can do that, then imagine what an army could do! Forget dragons terrorizing a kingdom - they'd have trouble terrorizing a moderate sized city.
IMC, dragons get their gold the new fashioned way: they pay reasonable interest, compounded monthly, and enforce liquidity of convenient paper money. Dragons are notoriously hard to rob? Good, now they act as banks.
And a bank can easily terrorize a moderate sized city.
Cheers, -- N