The Fall of Brekhan
Uses of Wealth
The Wealth advantage is an abstraction of your ability to make use of money and value. At lower levels of Wealth your money is concrete coin in hand and spent in person. As your level of Wealth grows your money becomes more fluid and less vulnerable to theft or misuse. When working with a specific individual or organization you can only make use Wealth up to the lower of your two Wealth levels.
Debt and Credit
Your Wealth brings with it a level of trust and confidence from your financial peers and enables you to take out larger loans, for larger periods of time, and requiring less collateral. At Wealth 0 a days work and a merchant roll secures you a loan up to your Cost of Living and requires you to leave a piece of collateral (any item or piece of property that you own) with equal value. Every level of Wealth above base doubles the size of the loan you can take out and halves the collateral you must leave with them. For each level of negative Wealth you halve the max size of your loan and double the size of the collateral required.
Failure to repay your debts in a timely manner can result in being given an Enemy, Debt, and/or having your level of Wealth reduced.
Wealth also brings with it access to useful financial services that change how money can be transported or used:
0: Base level of wealth. Merchants expect coin in hand for purchases, but will be able to provide change for gold or trade items in excess of what you are buying.
1: With a days worth of work and a merchant roll you can talk to merchants and businesses to change the denomination of your coin, CoL x Wealth.
2: With a days worth of work and a merchant roll you can change up to CoL x Wealth in money into trade gems. Gems weigh a tenth as much as the same value in gold. Performing any trade with gems requires a merchant roll, or adds %10xMoF in excess cost as you mis-value what you are trading.
3: With a days worth of work and a merchant roll you can change up to CoL x Wealth in money into writs of debt. Writs of debt can be exchanged in any major city for an equal amount of coin. You can also use them in place of coin with any other party who has at least Wealth 3.
4: With a days worth of work and a merchant roll you can change up to CoL x Wealth in money into nebulous loans and debt. This money can be transferred around without carrying anything, and can move it around a space the size of a city as long as you can get word to the recipient somehow.
5+: You can transfer value stored in nebulous loans and debts further. For every level of Wealth above 4 you can move your money around further, up to 50kmx(Wealth-4). The recipient must always have wealth 4 or higher, and you must have a way of getting word from you to them.