Debt is a tangible mechanical part of Trophy Gold. I thought it’d be worthwhile to have options for the table when someone comes to collect.

Who is holding the debt?

1. Bulla Shrines

Said to have invented credit, debt and banking, the demi-god, Bulla is a faceless deity whose accountant-priests are known to have necromantic powers. Some say they use these powers to demand a spirit continue paying for the living’s debt, even after death.

Some whisper that Bulla’s displeasure with its government was one of the many forces bringing about the the Fall of Olde Kalduhr.

If you fall behind on payments, revenant-collectors will be sent to bring you to the nearest shrine.

2. Some Ducal Asshole

Some dukes and duchesses love being patrons to adventurers, hearing their daring stories and taking the pick of their treasures.

If you fall behind on your payments the duchy’s thug-knights and their retinue will most likely be the ones dragging you back to the ducal seat but sometimes a noble will get off their throne and pursue an adventurer themselves, often with highly paid bounty hunters in their company.

3. The Dark and Gold Guild

Some adventures live to see their dreams realized. Those in the Dark and Gold Guild are adventurers who earned a fortune and used that fortune to capitalize on others’ desire to delve and raid tombs.

Not wanting to ever don armor again, if you fall behind in your payments it will likely be adventurers coming after you, becoming more and more seasoned as the debt grows.

4. Starless Matron

The dark and deep parts of the world, where the starless elves build glittering cities and the cave-bear-folk tend to their shroombeast herds are the Starless Matrons, powerful fae matriarchs who pay homage to the All-Mother, (may her holy webs and eight legs be blessed).

If you fall behind in your payments, Starless Elf Freeriders, riding giant spiders or lizard-raptors will begin trying to collect your bounty. If that fails, they will turn to the altars of their spider-pantheon and begin summoning.

5. Death

Surely you were not so foolish as to put a lien on your own living soul for some trifling gear to go delving. Surely not.

If you were to fall behind on your payments, Death would begin collecting from those all around you until you found a shrine and paid that debt in full and then some.

6. Farmer Cooperative

They had a good harvest last year and wanted to invest in a hero so that their children could know wealth and live the dream. They pooled their money and put their trust in you and your daring, equipping you for a series of delves.

If you were to fall behind on your payments, the farmers would send their best trackers and veterans of war after you to reclaim payment or bring you back to the village for a trial.

The Trophy Kickstarter is in its last days, within bow’s shot of its last stretch goal in which myself and an amazing group of table-top role-playing game designers will get to design incursions that will be a mega-dungeon. Please check it out.