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Message: <blockquote data-quote="Jfdlsjfd" data-source="post: 9501681" data-attributes="member: 42856">WIth regard to the banking system, well, the middle ages had a banking system and you could get loans. It's not out of reach of many settings to have bankers. The other point if availability. It's totally possible that a +1 sword can't be bought, because a sword can't be bought. You're a commoner, you don't get a mundane sword, why would you have access to a +1 sword? Nor do you get a necklace of Animate Dead or a wand of fireballs, don't even ask.But the market availability or the existence of Ye Olde Magick Shoppe isn't the problem. If a setting has enough wizards to produce the items, they will be made, for the sole benefit of the people who set the rules. The guards of the baron who create the "no commoner should own a sword" rule will get those +1 sword. The king, when presented with the idea that peasants could be equipped with necklace of Animated Dead to control 12 undead doing agricultural work 24h a day instead of working his land directly, multiplying its workforce by 36, would decree that the corvées wizards must do are paid by working 50 days each year in team of 4 to produce an Animate Dead necklace (bodies of criminals will be used to avoid any moral qualm, much like dissection was allowed on criminals in the Middle Ages for some universities). They might not be available for sale, but the king's domain will be full of them and they don't disappear over time. It's more a question on "where are they?" than "can I buy them?" (and the former questions, for entreprising heroes, leads to "how can I burglar them?").</blockquote>

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