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Message: <blockquote data-quote="Belisarius76" data-source="post: 6550226" data-attributes="member: 6790160">If it's 9 karat gold ring it may not lol. However jewellery you usually get your money back. My mother's engagement and wedding rings we re valued recently and are far in excess of what they paid, even in terms of inflation factored in. Gold has never ever lost value if you look at charts going back to the early 1900s, it has gradually appreciated, along with silver.Point is, in a D&D game, how much gold and silver floating around is a good thing vs risk, vs factors in how much in circulation based on supply from mines etc. Giving PCs tonnes of treasure and making it exceedingly easy to arm themselves to the teeth early is not good for game balance imao, you want them to feel like it would be a struggle and for them to be alert. Not just rock up and easily annihilate everything, there is never any fun in that. Good heavy armour (or any exceptionally made armour) and weapons, like Adamantine/Mithril should be near impossible to obtain, along with swathes of gold and platinum etc. Not unless they take out a Dragon or the like who would have accumulated that treasure over centuries.</blockquote>