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On the topic of Cursed Items:

I had a rogue come across a skeleton in a dungeon which had a black ring on one of it's hands. Upon pocketing the ring (so the party wouldn't see it) the skeleton crumbled into dust.

Said rogue decided to try it out immediately and was shocked when the ring started to talk to him! The ring introduced itself and informed the character that it would heal him and would cast necromantic spells for him in return for the pain the PC would inflict upon others.

Every 5 points of damage would become 1 charge with a maximum of 100 charges.

Each charge could be used to heal 1 hp or to fuel necromantic spells (1 for 1st lvl, 3 for 2nd lvl, 5 for 3rd...)

The ring then warned the rogue never to remove it. "It would be a bad thing to do."

Slowly over the next few sessions the rogue, who was having a ball with his new ring, was noticed by the other players as not having much appetite and becoming unhealthily thin and pale. When the other characters finally made the connection to the new ring they tried to talk him in to removing it. He refused, of course, so they jumped him in the hopes of saving him from himself. The rogue fought for all he was worth and the other players eventually had to cut the finger off to separate the two.

The party leaped back in shocked horror as the rogue crumbled into dust... all of his HP had been converted into charges.