Wow, this fantasy world seems peaceful and safe; no monsters! This should be easy. So I've chosen my character class, "retail clerk", and I'm spending each game day working, and every two weeks I get loot...errr, "paid". OK so far. But now the GM says my store is laying me off, with not even a saving throw. Does this mean I get to pick a new class? OK, great, I picked the one I want.
Huh? "Corporate CEO" is a prestige class, and I don't have the prerequisites? Bah. How about "rock star"? Oh, alright, let me see the list of basic classes.
What do you mean I can't even pick one of those? What is "high unemployment"? OK, how do I make the unemployment lower? OK, then who can? Well YOU can, you're the GM, right? OK, I'll keep making my job application rolls and subtracting living expenses...this is harder than it looks.
What? I got SICK? But my Constitution is....ok, well, there are healers in this world right? ....They want what? How about if I offer to do a quest for their temple, or hospital, or whatever you call it?
This is harder than it looks.