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


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Umbran

Mod Squad
Staff member
Supporter
Sure. It's just that we're an RPG site, not a dog grooming site. :)

Yes, Morrus - the point is that when we talk about this, if we consider causes or courses of action that are RPG-specific, we are likely barking up the wrong tree. If what one suggests does not apply to the dog groomer too, it is probably inaccurate or not helpful.
 

Umbran

Mod Squad
Staff member
Supporter
On the other hand, if an artist charges an amount for their time, I can guarantee you that clients do not value their time, that clients will want extensive edits "on the house," that clients will not understand how something could have taken X hours, and so on.

I don't expect this is really art-specific.

My wife is a veterinarian. Highly comparable to lawyers - post-graduate degree and licensing required, for example. The clients regularly do not value the doctor's time, call for extensive workups "on the house" (typically phrased as ,"can't you just take a 'quick look' without charging me?"), argue over costs, and so on.

I don't know how often lawyers get the equivalent, but while she was in regular clinical work, several times a week she'd get, "if you really cared, you give your services for free!" as if she didn't have to eat or pay a mortgage, or anything, trying to outright shame her into giving away her time and rather expensive medical products and services.
 


Aaron L

Hero
It's just a reprehensible situation that people are forced to go to crowd funding to cover medical expenses they need just to stay alive.

I live on disability income, which makes things extremely hard to do anything (andmy father died suddenly last week, making things even harder on our household and now we don't know how we're even going to make it.) I have Degenerative Disc Disease and have had to undergo 3 surgeries on my spine since I was 19 (I'm 43 now) with a neurogenic spastic bladder and permanent nerve damage in several other locations resulting from the DDS, Tourette Syndrome with tics that have given me arthritis in my elbows and wrists, ADHD, Irritable Bowel Syndrome, clinical depression, social anxiety problems, and I'm in the middle of being tested for the Autism Spectrum. If I didn't have medical insurance provided by the government (US, in live in Pennsylvania) I would have died years ago, after first becoming paralyzed from the waist down and then suffering through however many years of agony as my bladder killed me. I would have died in agony without that help.

We all need to try to help the people who make the games that we love and give us hours and hours of joy. I think D&D has exploded in popularity the past few years because people have grown sick of all their communications with friends being online through social media, and instead want real face-to-face interactions with a structured environment/game. I've done what I could in the past through Patreon to help give money to the creators I love the most (such as Michael Swaim's Small Beans, made up mostly of people formerly from Cracked, and Team Four Star, the creators of Dragon Ball Z Abridged, although that will unfortunately have to end due to my family's current situation.) But as great as Patreon is, I think it's just a stop-gap and not a permanent solution; I just read an article about the creator of Patreon, and hope I'm wrong and the platform can grow into something wonderful to provide permanent funding home for creators, but I don't know.
 
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I work in the medical insurance industry in the US and can assert that it's a horrifying mess. This is a bipartisan issue, beyond the ability of either political party to fix easily. At a bare minimum we need serious regulation on medical costs aimed at hospitals and big pharma. That would be a start; until profit is removed from the equation, however, the US healthcare system is going to continue spiraling down the drain and change won't happen until it hits rock bottom. Some form of universal healthcare would be welcome in the US, but actually figuring out how to do this is a huge hurtle right now.

I personally work in the industry I do out of necessity as everyone in my family has a condition which guarantees we can't afford not to have good health coverage. Even with such coverage and a decent job I labor under a mountain of lingering debt from years of prior health costs. I would not want to be in the position to have to beg on a Gofundme account for help, and empathize with those who do.

Its laudable that if a game designer had 1,000 fans and those fans all paid $100/year that it could be enough, but in truth that probably isn't actually enough when real health problems arise, and most of those fans are also facing their own associated health cost issues as well. It doesn't help that this is an industry that often considers $20 way too much for a PDF of a game, and a significant number of RPGers are in the hobby because they have little income and need something that doesn't drain their finances much to begin with.
 

eyeheartawk

#1 Enworld Jerk™
Its laudable that if a game designer had 1,000 fans and those fans all paid $100/year that it could be enough, but in truth that probably isn't actually enough when real health problems arise, and most of those fans are also facing their own associated health cost issues as well.

This is true. Without getting into a wider political debate, it is a fact that the number 1 cause of personal bankruptcies in the US are medical expenses. A not insignificant amount of those people also had insurance.

Let's say you have good insurance, and they cover 95% of your hospital stay for something serious and lengthy. You leave with a $600,000 bill. Most people don't have a liquid $30,000 sitting around to cover that remainder. Giving somebody enough money to pay the premiums to begin with doesn't insulate one from the inherent fact that even with insurance you can go broke and turn to Gofundme.

Again, this is broken.
 
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