Economics#
Not concerned with shopping.
Banks#
Due to the medieval nature of forgotten realms, most of modern banking can be shoehorned into a single "bank" institution.
In this campaign, only a single bank exists, the Grand Obsidian with main branch in cityofbrass (withdrawals subscription teleport service).
Some ideas of what a bank might offer:
Borrowing#
Adventuring == high risk, high reward.
20% rent per month.
Collateral Lending#
Prices at 75% of market value (based on spread) as collateral (spell ritual).
Get loan of the market value presented as collateral.
On week end, pay back loan with 10% interest (cost to ensure good faith).
On death, week end, weapons collected (automatically).
Investment#
5% return in a month on good investments.
-4% a month on bad investments.
INT check on investment?
Investing in local business, then they can make those business better through actions.
Decades in feywild/petrified? They/them have to prove their identity.
Can use this as a Count of Monte Christo style timeskip to use their wealth.
Lending#
1% a month interest. (1 year => 1.12x, 10 years => 3.3x, 50 years => 400x)
Use time distortion in feywild to make money.
Bank Quests#
Banks also need adventurers to make their risky enterprises less risky. Guard ships, hunt down bandits, etc.
1. rescue lost parties (or bring back their valuables / horses / items) to alleviate losses.
2. establish colony (west marches campaign, unexplored land)
3. portugueese style trading posts from one new loc to another (planar trade?)
4. Loss prevention; bank vault anti-heists, locating thieves, retrieve stolen goods
5. Dealing with slaves (banks biggest slave owners)
6. Lobbying (banks hate taxes, rulers love them; hire the saviours to put in good words with the king)
Can have exteremely wealthy families like the Rothschilds (owning multiple branches) across regions.
Can have divisions administering conquered land, assets, slaves; Knights Templar. Can have their own army, laws, and influencers responsible for inventing banking practices in new areas.
Insurance Fraud#
Rorschach test to see what kind of party the players want to be: honest, vengeful, opportunistic/ambitious, etc.
Escort mission, that insuring bank requires a party to escort.
Then as they are waylain, they are told of deception to incite insurance fraud.
- Go along with fraud for promise of easier money
- Refuse to cooperate and fight/extort them
If going along, then bandits will later try to kill them to "make the robbery look legitimate"