Essence at [unixtime wrote:1070599530[/unixtime]]So instead, if you can't pay them back because you've invested your money in something and don't have any liquid funds, you either get your ass kicked by some dragons, or you have to kill them, which ruins any attempt you had at redeeming yourself and getting back into the class...
It only says you have to repay the money.
Nowhere does it say the dragons will murder you for not paying back what you don;t have. Nor does it say you have to kill them. It just dsays you have to pay it back.
If you honestly don;t have the money, then you would have to give them a share of whatever you earn, or you;'ll have to do work for them until your debt is paid.
You only end up in clnflict with the dragons if you actively REFUSE to repay themk, which has already killed your chances of getting back into your class.
I cannpot believe how needlessly complicated people are making this.
It's only complex if you mnake it that way, for crying out loud.
The player gets bonus money. In addition to hos normal money.
Simple so far, ne?
He spoends the money wisely, upgrading his gear and whatnot. Still simple.
Class doesn't such as much now.
The power level of the party is not threatened because without the money the class would suck.
You screw up and loose access to the class, or you spend your money unwisely.
You have to pay it back. You can give them whatever you purchased with the money and/or an equal value of treasure, or you could work it off if you had to.
So far we;re not really any more complicated than a paladin who loses his abilities and must work off his spiritual debt in order to atone.
Honestly, it only starts getting complicated if you decide to be petty and screw your player out of a class ability that wasn;t even unbalancing in the first place.