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In the ancient days, before the rift scarred the moon with its power-seeding the planet below with crystals and rare minerals, while also rendering the great empires of Tarskan unto the dusts of ruin and ending the golden age-the planet of Tarskan had prospered into a beacon of science, magic, and technology, fuelled by the mining of the moons bounty. But as technology grew more and more advanced, so to did tensions and demand for the minerals and rare jewels of the moons caverns. Wars broke out on the surfaces and in the caverns of both spheres. Though it is unclear how, a rift formed in the deepest depths of the moon, swallowing a large section, and regurgitating it toward the planet. The resultant impact decimated all but a handful of the cities and reshaped the world into a desolated wasteland. Though life survived, the old world was all but Smoldering ruin.
For the next few centuries, the surface rebuilt slowly, while cities in the depths flourished as trade, power and authority grew as weak spirits were drawn to shielded embers of the old world. Then troubles began, starting in the old gated cities, as the portals opened and insidious creatures began to emerge. The balance of magic was corrupted as jet black crystals erupted around the planet, spreading like a cancer over the surface and into underground, twisting the minds and bodies of those exposed to these dark stones. The primal forces became restless and the very aspects of nature fought back against this blight. It is a time for heroes to emerge and protect the shards of civillisation from the dangers of Lunatarska.
Setting details so far...
Advanced tech is available
Magic is drawn from either 'the tides', pure crystal devices, or the dangerous powers of the rift
Bulletproof armours and weaves exist(acting as armour against bullets)
Guns everywhere(sort of, with the advanced technology, a firearm is generally a good weapon, but the lack of establishments for industry leave ammunition in short supply, and most high tech weapons are hard to find)
A currency of barter+service-trading a laser rifle for a sack of raw crystals is more likely to be a good trade if you know who has the best deals on processing the crystals into clips. So yes, you can spend all your money killing an enemy, metaphorically and literally.