The Pirates Of Atlantis
This Perk represents the amount of money or related assets a character possesses. Money may not make the world go round, but it can help motivate PCs. Characters receive money as payment for services, loot from treasure hoards, gifts, and so forth. They use the money to buy equipment or homes, bribe guards, travel, and the like.
In the Campaign’s Money System, characters buy their annual income level with Character Points (or, if they are poor, receive Character Points for that Disadvantage, which counts as one of the character’s Disadvantages).
Income levels aren’t set in stone — rich characters sometimes lose their money, poor characters can strike it rich. The GM can assume the Money System represents characters’ starting annual income levels — their annual income at the beginning of the campaign.
Thus, if a poor PC struck it rich, he’d have to buy off his Poverty Disadvantage or exchange it for new Disadvantages. Perhaps the alien princess starts Hunting him for stealing her gems, his poor Reputation grows, or he acquires a new DNPC “friend”. Alternately, these rates can refl ect a character’s expenses, not just his current wealth. For example, a poor character doesn’t necessarily lack money, but has a gambling problem or a large family with associated expenses. Even if he comes into a lot of money, he’ll soon have spent it all, unless he buys off the Disadvantage.
Conversely, a wealthy character who suffers a financial reverse could regain his wealthy status through family connections, good credit, or an old (and rich) friend. In either case, remember that money, even tremendous amounts of it, should only help a character, not solve (or create) all his problems or substitute for Skills or roleplaying. The GM will not let characters use it that way.
Destitute (10-point Disadvantage):
Income of 2 Gold Kings or less per year.
Starting money of 30 + 5d4 Copper Lancers.
The character cannot pay for basic subsistance, be sure of eating day to day, has no fixed address, and so forth.
Poor (5-point Disadvantage):
Income of 6 Gold Kings or less per year.
Starting money of 30 + 5d4 Silver Princes.
Unemployed and/or in debt, the character cannot make any large purchases. He might be hounded by loan sharks, or simply have a number of outstanding financial obligations (like a large family). He must take jobs where he can get them.
“Middle” Class (0 points):
Income of around 50 Gold Kings per year.
Starting money of 30 + 5d4 Gold Kings.
This is the standard income level for PCs; it ranges from just above the poverty level to reasonably well off . A Middle income character can make occasional large purchases, is financially secure enough to withstand sudden reverses of fortune, can pay for his son’s wedding, and so forth.
Well Off (5 points):
Income of around 350 Gold Kings per year.
Starting money of 210 + (5d4 * 10) Gold Kings.
The character has more than enough money to support himself; he can take lengthy leaves from work and not feel the financial pinch. He can make major purchases with some regularity and probably owns numerous homes, and other luxuries.
Wealthy (10 points):
Income of around 350 Orichalcum Crowns per year.
Starting money of 30 + 5d4 Orichalcum Crowns.
The character, a typical extravagantly rich noble, has the capacity to do, or buy, pretty much whatever he pleases within very few limits – even rare or hard to acquire goods (at a suitable mark-up of course).
Filthy Rich (15 points):
Starting money of 210 + (5d4 * 10) Orichalcum Crowns.
The character, a typical higher-end noble, has more money than he can spend. He might be the head of a city-state or even lead a small country.