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Message: <blockquote data-quote="genshou" data-source="post: 2657378" data-attributes="member: 13164">As a corollary to my agreement to what Jack of Shadows said, having magic items start out partially owned by everyone and then letting the PC who wants it pay off the shares that belong to everyone else means that PCs who leave the party with whatever items they happen to be using at the time won't usually be stealing all the party's wealth as they do so.  Allies and perhaps even friends the PCs may be, but would you give your friends large sums of wealth and expect them to just be trustworthy with hundreds of thousands of your dollars?  Better if they actually pay to own the items, and it prevents what happened to tonym (if everyone else was constantly getting all the items, then suddenly his/her character would have a lot of gold and be able to outbid them all next time, not to mention loan (with interest) in order to make a bit of extra cash off the circumstance, so that everyone's wealth remains balanced over time).</blockquote>