Quote:
Originally Posted by tbone
Yep, it is a flaw... with a loophole. Imagine 4 Dead Broke PCs, plus Mr Moneybags with Wealthy: with his starting money, he can distribute $1000 to every PC at the start. (Make that $4000 per PC for Very Wealthy!)
Looks like "one rich PC, everyone else dirt poor" is a viable strategy for a money-hungry PC group in DFRPG (and DF, as you note).
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Which assumes that you start in town, and the town you start in has the stuff you need. If it was my game, you might find yourself starting the campaign attacked by bandits on the road or something, and really wishing you hadn't started naked and unarmed, next to a guy who spent all his points on being rich and is encumbered with bags of silver rather than armor and weapons.
EDIT: So not only a very likely TPK but the next party probably has to deal with especially well equipped bandits. Honestly this scheme seems more like a combination elaborate mass suicide and highwayman charity than a good way to optimize your character.