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<blockquote data-quote="James Gasik" data-source="post: 8975200" data-attributes="member: 6877472">Well let's put this into perspective.&nbsp; According to Lifestyle Expenses in the PHB (page 157) a modest lifestyle is 1 gp/day which covers lodging, food, drink, and all other necessities.&nbsp; So just to live paycheck to paycheck requires someone to make 360 gold per year (36 platinum).&nbsp; It seems likely that anyone attempting to live at this level of income needs savings and &quot;fun money&quot;, so let's make that 48 platinum per year...which I'll round up to 50 so I have to do less math. The PHB says nothing about taxes, so I'm going to assume those are included in Expenses.&nbsp; Now, further extrapolating from this, the base value of anything you can sell is at least 50% (ie, what you can resell it for).&nbsp; So if I say that all goods and services are provided at twice what the merchant pays for them, it might mean that each modest lifestyle individual is actually generating 25 pp of profit to the community each year.If we assume modest lifestyle people are the average, then we need to look at the size of a town.&nbsp; The DMG tells us the population of a town is around 6000 (page 17).&nbsp; So, one could say that this means, on average, the residents of a town earn 300,000 platinum each year, and the goods they purchase generate an additional 150,000 platinum of theoretical profit.As a result, I don't see one guy spending 1000 platinum as wrecking the economy of a town, since what they are buying only costs 500 platinum in the first place for the community, which will make 500 platinum in profit.</blockquote>

[QUOTE="James Gasik, post: 8975200, member: 6877472"] Well let's put this into perspective. According to Lifestyle Expenses in the PHB (page 157) a modest lifestyle is 1 gp/day which covers lodging, food, drink, and all other necessities. So just to live paycheck to paycheck requires someone to make 360 gold per year (36 platinum). It seems likely that anyone attempting to live at this level of income needs savings and "fun money", so let's make that 48 platinum per year...which I'll round up to 50 so I have to do less math. The PHB says nothing about taxes, so I'm going to assume those are included in Expenses. Now, further extrapolating from this, the base value of anything you can sell is at least 50% (ie, what you can resell it for). So if I say that all goods and services are provided at twice what the merchant pays for them, it might mean that each modest lifestyle individual is actually generating 25 pp of profit to the community each year. If we assume modest lifestyle people are the average, then we need to look at the size of a town. The DMG tells us the population of a town is around 6000 (page 17). So, one could say that this means, on average, the residents of a town earn 300,000 platinum each year, and the goods they purchase generate an additional 150,000 platinum of theoretical profit. As a result, I don't see one guy spending 1000 platinum as wrecking the economy of a town, since what they are buying only costs 500 platinum in the first place for the community, which will make 500 platinum in profit. [/QUOTE]

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