D & D currency?

topic posted Wed, August 8, 2007 - 3:00 PM by  Dal
My PC's preferred to only deal in gold and silver pieces. Calculating copper and electrum pieces got in the way of my neat D & D notes to keep quests together. I assume the lawful alignments and creatures prefer a market. I tended to just pass over a gold for a torch and some water, exceeding the value, and believe me, my backpack got full sometimes. In some recent video games, high amounts of gold pieces happen. How could a PC carry 78,000 coins?
posted by:
Dal
offline Dal
Washington
  • Re: D & D currency?

    Wed, August 8, 2007 - 3:31 PM
    Unless they have superhuman strength -- they don't. Any party facing that amount of money is in for a hell of a heard time getting it to any market.

    It makes it worth it exchanging coins for gems even with a -25 to 10% value of the original coinage value (or for something like magic items)...
  • Re: D & D currency?

    Wed, August 8, 2007 - 3:51 PM
    I recall one really anal DM explaining it as letters of credit: like merchants in old europe, there were banks of a sort who set up letters of credit. In a magical society it is even easier, as you know the letters are keyed to your "bank" via magic.

    To be honest, we never worried about it too much - it can take away from the story. One DM solved it by never giving us much money, forcing us to be near vagabond nomads who only had enough for upkeep on stuff and snacks, and the occasional night in an inn or temple if we needed healing.
    • Re: D & D currency?

      Wed, August 8, 2007 - 3:58 PM
      Actually my part managed to get on it hands a tapestry with a small portable realm tied to it -- we chuck a lot of stuff in there...
  • Tim
    Tim
    offline 8

    Re: D & D currency?

    Wed, August 8, 2007 - 4:19 PM
    With that much gold the party can easily afford to hire people to haul their treasure for them. An unskilled laborer costs what, 1 sp a day? Also, wagons, pack-mules, etc. You'd have to watch out for thieves though, you can't trust common folk.

    There's the Secret Chest spell too, but it's expensive and that assumes that someone can cast 5th level spells.
  • Re: D & D currency?

    Wed, August 8, 2007 - 6:56 PM
    Calculating copper and electrum isn't a problem; inflation is the problem. If gold and platinum (mithril, adamantite, etc.) are rare, then your calculations won't be all that much more complicated and your players will appreciate the treasure more.

    I'm a big fan of commodity treasure. Rather than finding 50 gold pieces, why not insert a cask of fine wine worth 50gp? Or rich tapestries? It makes for interesting games because players need to be more creative when it comes to acquiring and using the treasure. I assume that most intelligent humanoids spend more treasure than they hoard, both to appease their underlings (or rivals) and to sate their own desires. The fact that they spend their gold doesn't mean that they don't have anything of value aside from easy-to-carry gems and jewelry.

    And if your players have too much cash, it's an easy thing to remedy. No one is rich who is not a target. Training is expensive, and it's easy to appeal to a PCs ego when it comes to fine equipment, tailored clothes, stronghold embellishments, etc.
    • Re: D & D currency?

      Thu, August 9, 2007 - 1:51 PM
      Ah, yeah, another good point. My DM used to use jewelry a lot, which was real handy. Like, you trade a fancy necklace for a house, then later trade a local mercenary company a couple of gems for guard service for a year, the local butcher a magic knife for a meat account, etc. Thats if its more of a stationary sort of adventure group, for nomadic, you trade gems because you are traveling and cant bother to worry about exchange rates, or the priest talks you into make a gift of large treasure stacks to some temple, giving you free lodging and basic healing in a temple system with lots of locations, etc.
    • Rob
      Rob
      offline 0

      Re: D & D currency?

      Thu, August 23, 2007 - 6:17 AM
      This is my philosophy as well. I really feel the gold (etc.) is way out of proportion. a Fighter starting with 200 gold at furst level...hmm, retire and buy a large tract of land for peseants to work on...next character please. I start my games off with dirt poor players.

      Don't get me started on Magic for sale...who in their right mind would sell the stuff...but DnD has this Magic Walmart mentality.

      My games aren't shy of magic, just the cheap commoditization of it. What government wouldn't confiscate all the magic weapons for use with their own military or police?

      Oh well, at least it is better than the d20 Modern, True20 and Mutants and Masterminds "Wealth system"...yuck!
  • Re: D & D currency?

    Fri, August 10, 2007 - 11:25 AM
    Well, without supernatural or magical means there is no way someone can carry 78,000 coins. Since the coins are made out of heavy noble metles (gold, silver, platnium), the weights should be tremendous; about 50 gold peices should be a pound. Silver and copper would be a little less in weight and platnium a little more... So I'd just fill tresure lists full of valuable objects rather than a mass of coinage.

    But weight aside, you have the problem of using said money. If you want to go sell your magical Chainsaw of Bloody Dismemberment for 10,000 gold, where are you going to find someone to buy it? What merchent has 10,000 gp behind the counter? What adventurer would be carrying 200 pounds of gold! Even if you find a wizard to buy it, they susally don't have that kind of money laying around; they spend it on lab supplies and other magical what-not. So the only realistic choice is to barter and then they will probably end up with an item of lesser value.

    So what if you have a Bag of Holding to carry 200 pounds of gold? You go to town and you spend almost every last piece on everything from magical supplies to male gay wenches (hey, whatever you like, buddy, I'm not here to judge). So now the town has had in influx of 10,000 gold when most people deal with silver and copper. Inflation is going to skyrocket. I've always said nothing is worse for a small town's ecomomy that a wandering adventurer.

    So when I think about characters and their financial issues, I think the cleric has it best; the chruch takes most of his money so he doesn't even have to worry...

    -Gabriel
    • Re: D & D currency?

      Fri, August 10, 2007 - 12:39 PM
      Re: inflation

      This reminds me of the famous case of Mansa Musa: www.homestead.com/wysinger/...amusa.html
      • Re: D & D currency?

        Sat, August 11, 2007 - 9:41 AM
        In my gameworld, the "government(s)" have evolved to the point where some of them have printed paper money. Some people are reluctant to accept paper money printed by a Government other than their own. "Country Folk" usually don't like to deal with paper money from any Government so they stick with coins. Coins are much harder to counterfit. The value printed on a coin is very close to the market value of it's metal at the time of minting. But even the coins in my gameworld are more advanced than the standard g.p. The largest, most influential government mints coins as follows...
        The basic monetery unit is the Chip. One Chip is a gold coin 1/12 of a cubic inch in volume and 1/12 inch thick. (diameter unknown) The monetary units larger or smaller than the Chip are minted into coins of various sizes and made of various metals or combinations of metals. The sign for “Chip” Is ~ . Think of it like our dollar sign ($).
        So “3 chips” is written ~3 or`N. The Chip is divided into smaller units, the smallest of which is 1/144th of a chip and is known as a grossanch of a chip. (As you all know, 144 is a Gross) The sign for one grossanch of a chip is `. Think of it like our cent sign except that it goes before the numeral. So 3 1/144ths of a chip is written `3 or `N.


        1 Chip Written as ~I = 1Chip Think of it as a Dollar

        The Chip is divided into smaller units as follows…
        1/144 chip = 1 Grossanch chip Written as `I or `1 Think of it as a penny
        1/24 chip = 6 Grossanch chip Written as `O or `6 Think of it as a Nickel
        1/12 chip = 12 Grossanch chip Written as `IX or `12 Think of it as a Dime
        ¼ chip = 36 Grossanch chip Written as `NX or `36 Think of it as a Quarter
        ½ chip = 72 Grossanch chip Written as `OX or `72 Think of it as a Half Chip




        The Chip is multiplied to make larger units as follows…
        A 6 chip unit written as ~O or `6
        A 12 chip unit written as ~IX or`12
        A 36 chip unit written as ~NX or`36
        A 72 chip unit written as ~OX or `72
        A 144 chip unit written as ~IXX or `144

        The paper money used is reserved for units of ~O and greater.

        More info on these Elven Numbers can be found at GamesByChance.com




















        • Re: D & D currency?

          Sat, August 11, 2007 - 10:02 AM
          Correction to the above post: Line 12 of the first paragraph, "So “3 chips” is written ~3 or`N. " Should say ~N not `N.
        • Re: D & D currency?

          Sat, August 11, 2007 - 10:02 AM
          Seems rather complicated to me, but if it works in your game who am I to knock it? :)
          • Re: D & D currency?

            Mon, August 13, 2007 - 4:21 PM
            Kevin-
            It is not a whole lot unlike the system that the US Government uses. The main difference is that our dollar is divided into 100 smaller units called cents or pennies whereas the Chip is divided into 144 smaller units each called a grossanch. What part do you find complicated? I'd be happey to elaberate.
    • Re: D & D currency?

      Mon, August 13, 2007 - 11:42 AM

      > ... So the only realistic choice is to barter and then they will probably end up with an item of lesser value ...

      Trade two (or more) lesser items for the Big Boffin of Bravery (or whatever the valuable one is) with a bit o' gold on the side to even things up so it's fair all 'round.

      It's much like dividing a treasure amongst the party, when there's *ONE* obviously-premium magic-item... the other folks get all the spendable stuff.


      - Steve
      • Re: D & D currency?

        Mon, August 13, 2007 - 12:21 PM
        I recall I had some warrior or another, I bypassed about 90% of all treasure, just taking some gems now and then for basic upkeep, and I never bought much of anything besides food or what not, slept in stables and on roofs, etc. But then when some sword or something would come along (I think I was actually an axe fighter) I could claim it an no one complained much. Then again it fit my character, a sort of minimalist, crazed dwarven axe warrior. He was nearly a monk in the pursuit of martial prowess, as his clan was humiliated / defeated or something.

        I generally come up with some thing like that in character creation stories, as I hate managing treasure and whatnot. I only really ever had one power hungry mage type character, his whole deal was trying to magically evolve into a dragon, so he was trying to make a hoard.
    • Dal
      Dal
      offline 0

      Re: D & D currency?

      Wed, August 15, 2007 - 12:11 PM
      In speaking of coins of this volume, I am thinking building a vessel or pointing a catapault at Lankhmar, strange, expensive PC decisions. Some bank-work would be necessary I think....
  • Re: D & D currency?

    Wed, August 22, 2007 - 8:46 PM
    The PC's with all the wealth need to find a bank of some kind. Even if there are no bankers in the campaign setting (Dwarves or Gnomes might be the type to have banks), they might be able to give the wealth to a temple or noble in exchange for a note of credit that can, depending on the setting's level of magic, be enforced through magical means. The note of credit can be turned over at a later date (to a different nobleman or temple) in exchange for part or all of the wealth in question.

    Alternatively, the PCs might be forced to invest their wealth in property in order to keep it. This wouldn't have to be a castle or some such thing. They might buy an inn (including all the supplies and securing a staff for a year or more). They could also by a ship or a port warehouse (with a staff and security to look after it) where traders can rent space from them. Finally, they might invest their money in a small school or library, if they're the benevolent types.

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