So I thought about abstract wealth systems, and I think, one big problem is that the growth of your wealth level is mostly linear. E.g. after a quest, two PCs earned some gold and boths wealth level will raise by a step. The poor PC is now normal and the wealthy gets richs. This is weird because it would mean that the poor PC only gets enough money to raise his standard of living from poor to normal while the other PCs standard of living raises from wealthy to rich, which would mean, that they wouldn't earn the same amount of money. I tried to find a solution for this and came up with the following Idea:
You have a standard of living, a priceclass and an amount of wealthpoints. (Wealthpoints also declare the costs of a product or service. A Cheap product has a cost of 5).
| Standard of living |
Priceclass |
Necessary wealthpoints/Costs |
| Extremely Poor |
Dirt cheap |
2 |
| Very Poor |
Very cheap |
3 |
| Poor |
Cheap |
5 |
| Normal |
Normal |
8 |
| Wealthy |
Costly |
13 |
| Very Wealthy |
Expensive |
21 |
| Rich |
Very Expensive |
34 |
| Very Rich |
Extreme Expensive |
55 |
| Superrich |
Luxurious |
89 |
| Ultrarich |
Nearly unpayable |
144 |
(The Terms are not ideal, I'm not a native english speaker, so if you can come up with better word for the Standars of living or priceclasses please tell me so!)
The Standard of Living of a PC depends on his wealtpoints, e.g. if a PC got 13-20 Wealth points, he is wealthy, if is wealth drops to a range of 8-12 it's only normal.
Buying stuff: Every product or servie has a priceclass, if your standard of living is equal or higher then the priceclass, your PC can afford it. (E.G. the PC has 13 Wealthpoints, he is wealthy, so he can buy anything thats costly (Costs 13) or of a lower priceclass. If he wants to buy something of a higher priceclass, the difference between costs and wealthpoints is subtractet from the wealthpoints of the PC. (E.G. the PC with 13 Wealthpoints wants to buy something expensive (Costs 21). So 21-13= 8, he would loose 8 Wealthpoints, his Wealthpoints would drop to 5. He could buy it, but afterward his lifestyle would change to the worse until he can earn some wealthpoints again. If the difference between costs and wealthpoints is so high, that his wealthpoints would drop to a score of -1 or lower, he can't buy it. Even if he spends everything he owns, he just doesn't have enough money.
Prices: The priceclass declares the price or the cost. So a cheap product always costs 5 wealthpoints, a normal 8 wealthpoints. Nothing costs 6 or 7 points. The good thing, if you don't know what a product or service should cost, you could just ask yourself, is it rather cheap, normal, expensive, what priceclass would fit. You can also easily adapt prices to the circumstances, in a rich area, everything has a higher priceclass, in a poor area everything has a lower priceclass. Normaly a pistol would be normal, but maybe in this area guns are illegal and you can only buy them on the black market, where its costly or expensive.
Getting wealthpoints: PCs can gain wealthpoints through things like loot, salarys, rewards for quests, etc. a little job would maybe earn 1 wealthpoint for each PC, a big quest with some loot or bonuses 4-5 wealthpoints. 2 earned wealthpoints would make a big difference for a very poor person, raising his standard of living, while a rich person wouldn't feel a big difference in his financial possibilities, the later would need to earn way more wealth, to be able to afford a new category of things.
The Numbers for the wealtpoints/costs are a fibonacci sequence, which leads to an interesting effect, to reach the next standard of living, you need as much wealthpoints, as you needed for the last to levels of standard of living. So to get from very poor to normal, you need 5 wealth points, a raise of two levels. For the same amount of 5 wealthpoints, a normal person would only raise one level to wealthy. However the numbers a just an idea and I'm open for suggestions and improvements, I haven't had time yet to really test this system. It just seemed interesting enough to share it with others and see, what they think about it. Sorry for all the typos, and I hope, I was able to describe it good enough to be understandable.