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<blockquote data-quote="Sir Elton" data-source="post: 1772431" data-attributes="member: 14486">Well, I'm not an economist, but I can safely say D&amp;D economics does not work in any medieval world.&nbsp; From what I can understand is that there isn't enough gold in the Real World to support D&amp;D economics.&nbsp; Around 5th level, the PCs are already rich enough to live like kings (or as nearly as they can get).&nbsp; However, in the Middle Ages, your kingdoms' economies should have enough money to support it's people to live comfortably; or as near as comfortably as they can get.&nbsp;&nbsp;In history, Banking came out of several contributing factors.&nbsp; A few included:&nbsp;&nbsp;1. The Temple of Isis.&nbsp; The clerics of the Temple of Isis grew so rich for selling their bodies that they started the first banking system.&nbsp; They would make loans and charge interest.&nbsp; They were probably on the verge of creating an echequer system when Rome fell and the Dark Ages began.&nbsp;&nbsp;2. The Jews recreated the banking system in the west, and created a voucher system (if Ivanhoe is correct) in which the Jews can loan money and call in debts.&nbsp;&nbsp;3. The Arabs then created the echequer system, using checks and banknotes backed by real gold (and thus any Arabian world would be handled by the Purchase DC system). &nbsp;&nbsp;The other major problem with D&amp;D economics is the ammount of gold a kingdom actually has.&nbsp; Spain, at the hieght of it's empire, had several hundred thousand gold coins and about 1,000,000 minted silver coins.&nbsp; That was the total coins in circulation.&nbsp; If a &quot;Lord&quot; (20th level) D&amp;D character has around 200,000 gp in wealth, how much does the average Duke have?&nbsp;&nbsp;If the average D&amp;D player character isn't in the nobility and he has this much wealth, then the low nobility should have at least ten times as much.&nbsp; Where is all the gold coming from?&nbsp;&nbsp;As the more wealth the PCs have, the more serious it can become. As far as I can tell, D&amp;D economics is very ugly when you consider these ramifications.</blockquote>

[QUOTE="Sir Elton, post: 1772431, member: 14486"] Well, I'm not an economist, but I can safely say D&D economics does not work in any medieval world. From what I can understand is that there isn't enough gold in the Real World to support D&D economics. Around 5th level, the PCs are already rich enough to live like kings (or as nearly as they can get). However, in the Middle Ages, your kingdoms' economies should have enough money to support it's people to live comfortably; or as near as comfortably as they can get. In history, Banking came out of several contributing factors. A few included: 1. The Temple of Isis. The clerics of the Temple of Isis grew so rich for selling their bodies that they started the first banking system. They would make loans and charge interest. They were probably on the verge of creating an echequer system when Rome fell and the Dark Ages began. 2. The Jews recreated the banking system in the west, and created a voucher system (if [i]Ivanhoe[/i] is correct) in which the Jews can loan money and call in debts. 3. The Arabs then created the echequer system, using checks and banknotes backed by real gold (and thus any Arabian world would be handled by the Purchase DC system). The other major problem with D&D economics is the ammount of gold a kingdom actually has. Spain, at the hieght of it's empire, had several hundred thousand gold coins and about 1,000,000 minted silver coins. That was the total coins in circulation. If a "Lord" (20th level) D&D character has around 200,000 gp in wealth, how much does the average Duke have? If the average D&D player character isn't in the nobility and he has this much wealth, then the low nobility should have at least ten times as much. Where is all the gold coming from? As the more wealth the PCs have, the more serious it can become. As far as I can tell, D&D economics is very ugly when you consider these ramifications. [/QUOTE]

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