Loot, the consequences.

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What happens when the adventurers show up with a bunch of loot from their latest victory? Lots can and should happen. There are severe consequences for obtaining great wealth in a short amount of time and not building wealth slowly and industriously. A quick Google search for lottery winner stories will regale you with amazing stories of these unfortunate folks. And should help inspire even more ideas on how to make the characters lives harder after acquiring that dragon’s hoard worth of gold.

Some people call it the “Lottery Curse”, but in reality is just simple greed.  Greed from people you know well, from people you don’t know, and people who believe that you owe them something.  Don’t forget about temples, guilds, or organizations that feel like they deserve a reward for helping them out during their formative years.

So here you go here’s a quick d20 table for you to use to inspire what can happen to your PC’s when they return with carts loads of (hopefully) randomly generated loot!

d20 Effects of Enormous Loot entering the Economy
1 Increased prices at all shops and taverns in the town.
2 Offers of swag and incentives for the players to stay at an Inn or visit shops.
3 Increased thieving activities in the area or specifically at the adventurers.
4 Expectations of a roman style victory triumph where the heroes host an event and are expected to gift prominent people.
5 Concierge shoppers visiting the PC’s to offer their services.
6 Henchmen trying to become party members.
7 The tax man cometh with a heavy compliment of guards.
8 Offers of marriage are being proffered into the PCs.
9 Cries for charity from the homeless and downtrodden.
10 Family members appearing out nowhere asking for charity.
11 Increased offers of gambling or prostitution.
12 Royal Decree that the wealth belongs to the crown.
13 Family members and friends being hunted down, and kidnapped or murdered for money.
14 Lawsuits brought against the party by ‘true’ owners of the treasure.
15 Government positions granted on a quid pro quo basis.
16 Inflationary prices affect all purchases and sales.
17 Money Changers refuse to exchange coin for the PCs or do so at exorbitant prices.
18 Social responsibilities fall on the PC’s beyond their wants or needs.
19 PC’s gain fame and can no longer go out without being recognized.
20 Adventuring groups start coming to town to repeat the successes of the PC’s.