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AD&D Insurance

Redeye

Redeye

Arcane
Joined
Jun 27, 2006
Messages
8,247
Location
filth
AD&D Insurance

I just thought it was funny.

The wording of the insurance category is totally appropriate for a game that has many mayhem-oriented deaths.

To make this more forum appropriate:

If there is a banking system in a pseudo-midieval world with ressurection/healing magic, what happens when they develop an insurance industry?


Discuss.
 
1eyedking

1eyedking

Erudite
Joined
Dec 10, 2007
Messages
3,591
Location
Argentina
In a world filled with dragons, mindflayers, beholders, whimsical gods, and a complete disregard for rigid law and authority an insurance company would have a hard time profiting from all the death. At the time it would be needed the most (low levels), adventurers have very limited capital thus making return investment small at best, and not worth the hassle.

When characters hit the mid to high levels, death is no longer the deadly threat it used to be, pun intended. It could be argued that they could afford some heavy insurance without taking a hit in their purses, but with high level adventurers being the power and travelers that they are, how would you collect the premiums?

Furthermore there's magic flying around, which tends to royally fuck up real life concepts via Diviniation and Illusion, mainly.
 
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