Disadvantages

New or Modified Disadvantages

Debt

Varies

The character owes someone else a substantial amount of money! The GM can roll against the frequency of appearance; on a success, the GM can either decide that the character must either perform a job (the "You Owe Me" rule) or that a debt-collector shows up. The debt collector is an NPC worth as much as the player character, or 2-5 characters worth less points; the debt collector will either seek to harm or imprison the debtor, or seize items belonging to the debtor. Alternatively, the PC can "pay interest," and buy off the creditor enough that he stays his hand and avoid either issue by accepting a penalty to all wealth score rolls for the remainder of the session.

The value of this disadvantage is determined by is frequency of appearance:

  • Almost all the time (15 or less) [-20]; alternatively, applies a -4 to Wealth Score rolls.
  • Quite Often (12 or less) [-15]; alternatively, applies a -3 to Wealth Score rolls.
  • Fairly Often (9 or less) [-10]; alternatively, applies a -2 to Wealth Score rolls.
  • Rarely (6 or less) [-5]; alternatively, applies a -1 to Wealth Score rolls.
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