Money-to-point comparison/conversion

[vicky_molokh]

Originally Posted by FeralVentas

At the game's start, one can take a disadvantage of 0% wealth for 25 points. Therefore 100% of your starting wealth is worth 25 points,

Full stop right there. You seem to be thinking in terms of starting funds. But that's not what Wealth is. If you want starting funds for gear, go pick Signature Gear or the like.

No, taking Dead Broke [-25] means that you can't ever get a Job, that the society considers you financially null one way or another, and that (in games such as Dungeon Fantasy) you can never earn money by selling off loot, for whatever reason (you constantly get ambushed by the mob on your return to the fence, you always donate it to the temple, you have a curse of bad luck in monetary issues, whatever).