RPG Evolution: RPGs Have a Health Problem

Increasingly, the families of older gamers in the U.S. are turning to crowdfunding campaigns to fund their medical costs. Although gaming hasn't always been a lucrative field for designers, it's clear that even our most experienced designers aren't making enough to manage a medical crisis. Can we do anything about it?

As the game industry ages, our iconic game designers are aging with it. Increasingly, they are turning to crowdfunding campaigns to fund their medical costs. Although gaming hasn't always been a lucrative field for designers, it's clear that even our most experienced designers aren't making enough to manage a medical crisis. Can we do anything about it?

gofundme.jpg

The Scope of the Problem

For some designers, yearly deductibles have crept up to the $10,000 range; with game designers often working as freelancers without insurance, costs are even higher. Incidental expenses, like wound care supplies, specialized diets, and transportation all add to these costs. To address these expenses, GoFundMe (and it is usually GoFundMe, which accounts for 1 in 3 crowdfunding campaigns for medical costs) has become the crowdfunding platform of choice, with over 250,000 medical campaigns raising over $650 million each year.

Is it possible to make a living working on games? We have some notable data points.

It's Not for Everyone

Fred Hicks shares his perspective:
Through a combination of: Running Evil Hat (I made $0/month for several years; then we got a little success, enough to justify $450/month for a while; I’ve gotten to increase that since, but I am pretty sure I’m still not quite rating McDonald’s wages, and unless Evil Hat can improve its product output over the next few years, I’m not sure the increase can be sustained; behold part of my motive to grow the company! I should note I don’t charge the company anything else for any writing, development, or layout work I do beyond this monthly draw.) Running Jim Butcher’s online presence (the site has amazon referrals, other referral programs, the occasional ad revenue, cafe press gear, all of which funnels to me to pay the website costs and then pay myself the remainder for doing the work of creating & running all that over the past ten-plus years) Freelance layout work (which is bursty, unpredictable, and can sometimes wind up with late or very late or never-happened payment if you’re not careful)… I am just in the last year or two finally at the point where I’m making about what I made when I started in the internet industry back in 1996. Only without any benefits (save those that I get as a spouse), which is a lot like saying that I am making 30+% less than what I was making in 1996.
Louis Porter Jr. responded to Fred's post:
But there is another side to this. The side of what is "making a living"? I live is South Florida where I own a house, two cars, have a wife, one year old son and mother-in-law all living in the same house. My wife and I do well financially (She's a therapist and I am a graphic design / web designer) and LPJ Design gives me extra money to do a few fun things. But can I live off of it? No. But do I work it like a 40 hours a week job where I get full medical, weekly paycheck, 401k retirement planning, free use of internet, copier fax machine and roughly four and a half weeks off and 2 weeks of sick time? No. But I do know if I worked the LPJ Design business as well and hard as I work my "real" job the out come would be different.
Louis mentions the 1,000 fans theory, and given the success of crowdfunding in role-playing games it seems there's some merit.

The 1,000 Fans Theory

The 1,000 Fans Theory espouses the belief that creators don't need to have a large number of fans, they just need a highly-engaged base that will support them:
Here’s how the math works. You need to meet two criteria. First, you have to create enough each year that you can earn, on average, $100 profit from each true fan. That is easier to do in some arts and businesses than others, but it is a good creative challenge in every area because it is always easier and better to give your existing customers more, than it is to find new fans. Second, you must have a direct relationship with your fans. That is, they must pay you directly. You get to keep all of their support, unlike the small percent of their fees you might get from a music label, publisher, studio, retailer, or other intermediate.
If each fan provided $100 per year, that would amount to a $100,000 year income. It's worth noting that a percentage of this number also covers things like insurance and medical bills. The total number of fans can be adjusted up or down according to the individual's needs and goals -- those creatives who live in areas where they can get by on $50,000 need only 500 fans, while those who have fans with less disposable income may need double that amount. Where do RPG fans fit in this model?

There are two constraints that working against game developers hoping to make a living using this model. For one, tabletop RPG fans are not nearly as large a market as video games or other creative outlets. For another, gamers are accustomed to lower price points than other entertainment, including the aforementioned video games.

As the market continues to expand, we're seeing movement on both of these factors that may give future designers hope. The market is growing -- Hasbro CEO Brian Goldner told Mad Money that "people are more into Dungeons & Dragons today than ever before. In fact it's enjoying its best year ever, it's been the last couple of years where it's grown. People are reengaged with that brand because it's a face-to-face game, it's immersive, and it's a game that people really enjoy playing with one another. We have more new users coming on board -- double digit, new user growth."

Along with that growth is a fan base willing to spend more, as Andrew addressed in his article, "How Expensive is Too Expensive?" This in turn means creatives can get paid more. Russ has written an excellent reference piece on EN World that every writer should read. It's worth noting that when it comes to paying fairly, Russ is a leader in the industry -- and I speak from personal experience working for him.

A third factor to consider is that the barrier to entry into role-playing games has dropped considerably. Thanks to digital platforms like DriveThruRPG and the DMs Guild, creators can make and sell games at very little cost. By keeping their expenses as low as possible, game designers can net more profit from their games. There are also more platforms to allow fans to directly contribute to creators, like Patreon.

Adding this all up, the 1,000 fan theory seems more achievable for game designers than ever before. But until the market expands enough to support more creatives in the field, economic conditions will continue to push everyone in the tabletop RPG field to test the 1,000 fan theory in the worst way...when they have a medical crisis.
 

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Michael Tresca

Michael Tresca

That isn't true. Your taxes pay for Medicare, which is funded by general revenue and a 2% mandatory levy unless you are poor. And you pay an additional levy if you are a high-income earner and don't buy private insurance. Your costs are all upfront but you are still paying.
I never claimed that our taxes are not high. But with regards to surgery and healthcare in general we do not need to pay for. And importantly everyone has a right to.
You are not paying on top of anything.

And yes there are some systems to protect the poor unlike the States which are more likely to make more people poor.
 

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What? I'm sorry, maybe I misunderstood you. But, are you saying that all of these studies are awful and fraudulent, or are you remarking on my post?
Your claim that the wealthy are always given higher quality care is untrue. And countries like Australia do have good healthcare systems.

I agree that the American healthcare system surely needs to be improved upon.
 

generic

On that metempsychosis tweak
Your claim that the wealthy are always given higher quality care is untrue. And countries like Australia do have good healthcare systems.

I agree that the American healthcare system surely needs to be improved upon.
Australia has a fine and decent system, agreed. However, the wealthy are always able to afford better insurance, private insurance, immediate or prolonged medical aid unless private insurance is abolished entirely.

Maybe that's what's needed, but it does bring up certain difficulties.
 

3catcircus

Adventurer
I never claimed that our taxes are not high. But with regards to surgery and healthcare in general we do not need to pay for. And importantly everyone has a right to.
You are not paying on top of anything.

And yes there are some systems to protect the poor unlike the States which are more likely to make more people poor.
How can you not see that you are paying for your healthcare costs through higher taxes? You don't need to pay at time of service for surgery or healthcare because you've prepayed it.

The truly poor in the US are protected because those of us who have health insurance pay more than we ought to because the higher cost covers uninsured patients. No one gets turned away from the ER in the US.
 

Australia has a fine and decent system, agreed. However, the wealthy are always able to afford better insurance, private insurance, immediate or prolonged medical aid unless private insurance is abolished entirely.

Maybe that's what's needed, but it does bring up certain difficulties.
However everyone is guaranteed quite a high quality of healthcare regardless of your social level in Australia. Being wealthy in Australia gives you the same level of care as someone really poor. You can choose to go private but that is your choice.
 

generic

On that metempsychosis tweak
However everyone is guaranteed quite a high quality of healthcare regardless of your social level in Australia. Being wealthy in Australia gives you the same level of care as someone really poor. You can choose to go private but that is your choice.
Can you honestly say that? Choosing to use private insurance offers an inherent benefit. Also, in the U.S., no one is refused emergency care, and U.S. taxes are far lower than in Australia. I agree that the U.S. system is not great, and has many flaws, but it really isn't as unbearable and ponderous as you propose.
 

How can you not see that you are paying for your healthcare costs through higher taxes? You don't need to pay at time of service for surgery or healthcare because you've prepayed it.

The truly poor in the US are protected because those of us who have health insurance pay more than we ought to because the higher cost covers uninsured patients. No one gets turned away from the ER in the US.
We are paying all sorts of things with our higher taxes. Roads, schools, the healthcare system, the military, etc. The imbalance is where the taxes are going. In America they are not going to the healthcare system. They are even really going to schools. They are going to the military.

I am not saying no one is turned away. I am saying they were hit really hard with the bill as the aftermath. Which is why so many in the middle class have gone to poverty after entering the American healthcare system.
In Australia you would not need or even have a gofundme for health issues.
 

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