Money-to-point comparison/conversion

[FeralVentas]

Originally Posted by vicky_molokh

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).

Being financially null doesn't make one useless, and working for something other than monetary reward can come up a lot. Some of your own examples come up with boons that would come Because of the character's lack of funding. Throwing money at the temple can and will earn good will from other devotees there-in.

I'm not saying that the disadvantage should be ignored, but that there are alternative reasons for using CP expenditures for either money-value character options (all that money at the temple earning a high ranking priest's favor for example) or an apprentice/servant that works exclusively for their educational advancement, forsaking the monetary rewards of their craft to learn directly from a master.

More to the point however, the severity of the disadvantage of being Dead Broke still gives you 25 CP to work with. Since there is a separate pair of Advantage/Disadvantage in the form of either Debt or Independent Income, that handle money once the game has started, I don't see how it's an inaccurate statement to say that giving up all of your wealth is worth 25 CP, and correlate accordingly to that meaning that 100% of your starting wealth could be worth 25 points worth of advantages if you have a means of getting to money later in the game.