People just won't spend extra in town willingly. So pretty much we have almost 400 point characters with nearly six figures in cash plus outstanding mundane and magical gear spending $150 a week on upkeep in town.
A solution? Increased expected cost of living based on your point value. The better you are, the better people expect you to live. For every tier or partial tier below this you spend, you get a -1 to all rolls in town. You live shabby when you're supposedly rich, and people will look down on you.
Points Cost of Upkeep (Option 1) Cost of Upkeep (Option 2)
1) 299 or fewer points $150 $100
2) 300-349 points $300 $200
3) 350-399 points $600 $400
4) 400-449 points $1,200 $1,000
5) 450-549 points $2,250 $4,000
6) 550 or more points $6,000 $20,000
Optionally: Every additional 50 points = x2 and x10, respectively
The first is based on upkeep costs as they exist now. The second is basically saying your minimum loot for full xp is also the minimum upkeep people expect you to spend. I doubt I'd get any takes on the 2nd level but it has the beauty of being the same scale - and a reason why "we just made our look threshold" should be a relief not a reason to celebrate. You've broken even, and too many delves without loot will quickly reduce a big pile of saved cash to nothing.
The objections you'll get to this is:
- my character has Miserliness
- my character's take a vow of poverty for everything except usual adventuring gear
- my character doesn't care if anyone likes him or not
- my character is secretly wealthy and doesn't want anyone to know about it
- my character is a martial artist and cares not to spend money on worldly things (besides that x2 built into the template)
- my character is a cleric and lives a simple life at the church
etc.
Most of this is effectively BS, because there are real life people who have millions and drive a battered old car and live in a small house . . . but those aren't really an example of what adventurers do. In a dungeon delving game, you're coming back to town and cashing in $60K gear as loot, hauling up boxes of silver coins, selling off fistfuls of gems, and buying magical custom-made weapons and armor. Nevermind the dropping silver by the pound at the potion shop. This is, like it or not, very visible spending and very visible consumption. Miserly folks can save the cash but get a bad reaction roll modifier for being cheap (and merchants won't be breaking the bank stocking up gear you might need - you're probably going to say no and not buy it, tying up their capital.) Clerics can live in a monastic cell, sure, but if they tithe a huge pile of loot to the church people will treat them nicely, and if they live in a monastic cell but don't donate to the church people will know they're not a good priest. Martial artists need to support their temple or dojo or school.
etc.
Most of this is effectively BS, because there are real life people who have millions and drive a battered old car and live in a small house . . . but those aren't really an example of what adventurers do. In a dungeon delving game, you're coming back to town and cashing in $60K gear as loot, hauling up boxes of silver coins, selling off fistfuls of gems, and buying magical custom-made weapons and armor. Nevermind the dropping silver by the pound at the potion shop. This is, like it or not, very visible spending and very visible consumption. Miserly folks can save the cash but get a bad reaction roll modifier for being cheap (and merchants won't be breaking the bank stocking up gear you might need - you're probably going to say no and not buy it, tying up their capital.) Clerics can live in a monastic cell, sure, but if they tithe a huge pile of loot to the church people will treat them nicely, and if they live in a monastic cell but don't donate to the church people will know they're not a good priest. Martial artists need to support their temple or dojo or school.
I'm strongly debating going with Option 1 for Felltower. It would fit the game. I honestly expected people would spend more in town but I was wrong - no one spends a dime more than they have to, and hoard everything for dungeon gear. Sensible for a paper man, but doesn't pass the believability test.