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?

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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

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.
Yes. I can. I work in the public health system. Our catchment has lots of well off patients. And lots of poor patients. And homeless patients. We and our hospital treats them all equally. We cannot prevent people from absconding but everyone is given the same quality of care.
Just because you believe that is not possible does not mean it does not happen.
 

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generic

On that metempsychosis tweak
Yes. I can. I work in the public health system. Our catchment has lots of well off patients. And lots of poor patients. And homeless patients. We and our hospital treats them all equally. We cannot prevent people from absconding but everyone is given the same quality of care.
Just because you do not believe that is not possible does not mean it does not happen.
The exact same thing occurs in the U.S., but you have to pay for it.

I think we can both see the flaw here.
 

The exact same thing occurs in the U.S., but you have to pay for it.

I think we can both see the flaw here.
You do get the unequal distribution in America. Choosing to use private insurance has inherent benefit there.
Choosing to use private insurance in Australia carries a choice only but has no inherent benefit.

I think we can both see the flaw here.
 

generic

On that metempsychosis tweak
You do get the unequal distribution in America. Choosing to use private insurance has inherent benefit there.
Choosing to use private insurance in Australia carries a choice only but has no inherent benefit.

I think we can both see the flaw here.
Explain, with evidence, please. How does having private insurance not benefit you in Australia?
 

Explain, with evidence, please. How does having private insurance not benefit you in Australia?
I am saying private health insurance in Australia has no inherent benefit to the universal and attention to high quality of care in public hospitals.

A lot of people choose not to have private health insurance in Australia as evidenced on patient records. And still receive the same quality of care.
 

generic

On that metempsychosis tweak
I am saying private health insurance in Australia has no inherent benefit to the universal and attention to high quality of care in public hospitals.
It is identical in the U.S., but costs are transferred to the person in need of care, rather than the taxpayer base.
 

It is identical in the U.S., but costs are transferred to the person in need of care, rather than the taxpayer base.
A lot of people choose not to have private health insurance in Australia as evidenced on patient records. And still receive the same quality of care.

Explain then the phenomenon of people made destitute after entering the American healthcare system. Not just destitute but homeless.

Explain the high amount of gofundme campaigns for health issues in America. You would not have this in Australia.
 

generic

On that metempsychosis tweak
A lot of people choose not to have private health insurance in Australia as evidenced on patient records. And still receive the same quality of care.

Explain then the phenomenon of people made destitute after entering the American healthcare system.
Mod Edit: Folks, this poster was apparently working off data from the 1960s. The author has recognized that this is not an accurate representation of today. Please do not jump down their throat about it further. Thanks. ~Umbran


Yes.

People. Receive. The. Same. Quality. Of. Care.

Regardless of income, in the U.S.

Being made destitute by healthcare costs is an uncommon, and unfortunate occurrence. Once again, the system of the U.S. should be changed, but it's dishonest to say that people are often made destitute by healthcare costs.

The average cost of an ER operation is (I believe) $350, not including the fraction of cost deducted as a result of deduction eligibility.
 
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Yes.

People. Receive. The. Same. Quality. Of. Care.

Regardless of income, in the U.S.

Being made destitute by healthcare costs is an uncommon, and unfortunate occurrence. Once again, the system of the U.S. should be changed, but it's dishonest to say that people are often made destitute by healthcare costs.

The average cost of an ER operation is (I believe) $350, not including the fraction of cost deducted as a result of deduction eligibility.
The costs inherent in that quality of care is extremely unequal. And it is extremely curious that you are trying to downplay this.
My point is that in America you actually need health insurance to alleviate the costs of healthcare. This is not needed in Australia.

My point is that in America people wait and wait and wait to enter the healthcare system. Because it is prohibitive in ways. In Australia everyone enters the healthcare system equally.

My point is that in America people actually need to resort to gofundme campaigns to be able to afford services for health issues.

Claiming that everyone receives the same quality of healthcare in America is disingenuous.

My point is that being made destitute because of healthcare costs in America is something that should not happen. At all.
You have a dishonest reading of people often made destitute by the American healthcare system. I just wanted an explanation for the phenomenon of it happening.

Even our tax payer base is organized more equally.
 
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dragoner

KosmicRPG.com
America has +50% or more higher medical costs due to administrative costs that countries like Australia do not have in their system. Americans also pay more because the American medical system is a for profit industry. The care that the poor get is minimal, but that too gets price gouged when the palliative care costs 100 times the preventive care would have. The rich leave the US for medical care, going to places like Singapore for medical tourism. Ryan went to Canada for example.
 

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