Banking and PFS

[Lou Diamond]

Mark and Hyrum, have either of you thought about having the Society
open a bank for its memebers?

It was pointed out in another thread that PFS characters carry all there gold with them not only does this cause a weigt issue but it makes Society member vuneralble to robbery by other ner do well types.

Perhaps each lodge could issue promisary notes for deposited gold
and other valuables simular to what the Temlar Kights did in the middle
ages. Does the clergy of Abadar do this?

[Mark Moreland]

There's nothing dictating that a PC can't currently keep their money wherever they want. If you want to say your money's in a bank, that's cool. You just can't spend it if you've said that. But that's an honor system thing that doesn't really involve other players or even your GM. I'd rather not add the additional level of complexity of needing to track how much gold you have on your PC at any given time.

[Deussu]

Not to mention calculating the weight of the gold. 50 coins weight 1 pound. After one scenario you might get 1500 gp, coins, which counts as 30 pounds. Oh those poor little halflings.

For ease of play the characters just use a "Visa/Mastercard" in my games.

[Jiggy]

Keep in mind, after all, that everyone presumably has a residence somewhere and that a near-unlimited amount of time can pass between scenarios. I would assume that any reasonable person would leave the gold at home once they got back from a mission, and not constantly carry everything they own on their person for the rest of their lives.

[San-Chez]

I conceive that I carry letters of credit representing my wealth. Most of the physical gold sits in the Church of Abadar

[Banti]

San-Chez wrote:

I conceive that I carry letters of credit representing my wealth. Most of the physical gold sits in the Church of Abadar

I think that you might be on to something there. I would ask your GM to allow you to "buy" a letter of credit from the church and any place that there is a church of Abbadar exists you can redeem it.

There would be an entry on your chronicle that you bought it, and your GM should sign off on it. (his initials) The put the information on your sheet. Here is the thing to be aware of though, if someone steals/destroys the note, there is little in the way to get your money back. I imagine that the church will only recognize the note as authority to release the funds, but adventurers are a resourceful lot so recovery could happen in a few "magical" ways.

I'm interested in what Mark might say about this. It has a real world historical precedents.

[San-Chez]

Michael Griffin-Wade wrote:

Here is the thing to be aware of though, if someone steals/destroys the note, there is little in the way to get your money back. I imagine that the church will only recognize the note as authority to release the funds, but adventurers are a resourceful lot so recovery could happen in a few "magical" ways.

I'm interested in what Mark might say about this. It has a real world historical precedents.

Same in theory if the bag you are holding your gold in get's destroyed most role playing games I have played in ignore this fact

I do get a handy haversack for each of my characters just in case.

[Banti]

San-Chez wrote:

Michael Griffin-Wade wrote:

Here is the thing to be aware of though, if someone steals/destroys the note, there is little in the way to get your money back. I imagine that the church will only recognize the note as authority to release the funds, but adventurers are a resourceful lot so recovery could happen in a few "magical" ways.

I'm interested in what Mark might say about this. It has a real world historical precedents.

Same in theory if the bag you are holding your gold in get's destroyed most role playing games I have played in ignore this fact

I do get a handy haversack for each of my characters just in case.

Can't argue your point. If I remember, there is a PFS scenario that you actually find a letter of credit as part of the spoils. I won't want to spoil anything so I will avoid naming it.

Anyways, good point none the less.

[godsDMit]

Deussu wrote:

Not to mention calculating the weight of the gold. 50 coins weight 1 pound. After one scenario you might get 1500 gp, coins, which counts as 30 pounds. Oh those poor little halflings.

Or its 3lbs of platinum coins...

Personally, I handwave the issue of how you are carrying your money unless it needs to be specifically targeted for some reason or another.

In D20Modern, they used a 'Wealth check' system, as there is so much in the modern world that can translate into wealth (cash, credit, bank accounts, stocks, bonds, 401k, insurance, real estate, art, jewelry, etc) and it can be very convoluted. The idea was to 'make sure you dont spend as much time balancing your characters checkbook as you do your own'. Same principle applies here, I think.