Re: Armor for points, not money
Mlangsdorf has played with scaling Signature Gear/Trading Points For Cash with wealth levels.
I think if you're allowing Wealth in the same game as SigGear/Trading Points, SigGear/Trading Points should work along the same money scale somehow. A Poor person could manage to Trade Points For Wealthy Cash by marching far enough up the scale. I can't really visualize how to do that right now though :P
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On the subject of Gadgets, I think there's room for a "clunky" Gadget limitation, but it's really Nuisance Effect dressed up in a gadget outfit.
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