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====== Economy & Wealth ======

ODDS supports two approaches to wealth:

  * Abstract Wealth (narrative-focused)
  * Concrete Currency (credit-based tracking)

The GM chooses one method at campaign start.
Do not mix systems unless intentionally blending genres.

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===== Option 1: Abstract Wealth =====

Characters have a Wealth Rating from 0 to 5.

0 – Destitute  
1 – Poor  
2 – Modest  
3 – Comfortable  
4 – Affluent  
5 – Wealthy  

Wealth reflects access to gear, contacts, and lifestyle.

It is not exact currency.

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===== Making Purchases (Abstract) =====

Routine purchases:
  Automatically succeed if reasonable for your Wealth level.

Significant purchases:
  Roll 1d20 + Wealth against a TN set by the GM.

Suggested TNs:

Basic Gear → 8  
Quality Equipment → 12  
Specialized Equipment → 15  
Rare or Restricted → 18  
Legendary or Black Market → 22  

On success:
  You acquire the item.

On failure:
  You cannot afford it right now.
  The GM may offer a narrative complication instead.

On Strong Success:
  Wealth does not decrease.

On failure by 5 or more:
  Wealth decreases by 1.

Wealth never drops below 0.

Wealth may increase after major rewards or successful ventures.

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===== Option 2: Concrete Currency =====

Characters track credits, gold, or equivalent currency.

Example starting funds:
  500 credits (Tier 2 Heroic)

Equipment has fixed costs determined by the GM.

Track purchases normally.

This mode is recommended for:

  * Gritty campaigns
  * Survival-focused play
  * Cyberpunk settings
  * Economic or trade-heavy stories

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===== Lifestyle & Upkeep =====

In Abstract mode:
  Lifestyle is covered by Wealth rating.

In Concrete mode:
  Minor living expenses are ignored unless narratively important.

The GM may impose periodic upkeep costs for:

  * Starships
  * Vehicles
  * Bases
  * Cybernetics maintenance

Only track upkeep if it supports the tone of the campaign.

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===== Salvage & Rewards =====

Rewards may grant:

  * Wealth increase (Abstract mode)
  * Currency payout (Concrete mode)
  * Assets (labs, vehicles, safehouses)
  * Reputation boosts

Wealth increases should be meaningful.
Avoid frequent +1 increases unless campaign scale supports it.

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===== Blended Mode (Optional) =====

For hybrid campaigns:

  Use Concrete Currency for gear.
  Use Wealth Rating for influence and lifestyle.

Example:
  A character may be low on credits but still socially connected.

Blended mode requires GM discipline to avoid double benefits.

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===== Design Notes =====

Abstract Wealth:
  * Fast
  * Narrative-focused
  * Low bookkeeping

Concrete Currency:
  * Detailed
  * Tactical
  * Resource-driven

Choose the method that reinforces your campaign tone.

Switching mid-campaign is possible, but requires recalibration.

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ODDS RPG Economy v1.0 Playtest