Money Isn’t Everything

Scrooge McDuck

Once, when collecting my student loan money at university, I found out I’d already been approved for a grant. I wasn’t about to say no to a free $800, and didn’t. The loan officer commented, “There’s nothing better than free money!” Actually, there are lots of things better than free money. In fact, almost anything is better than free money, because I’m going to take that free money and trade it for things.

It’s simple, in a game where people essentially play professional hobos and mercenaries, to say that a character is motivated by money. That they’re looking for the payout, plain and simple. But the fact of the matter is that no one is doing that, and that wanting money for the sake of money isn’t really a motivation worth having. So today I want to talk about why, and some ways to describe mercenary tendencies without talking about them in terms of money.

Money is a means

When you’re motivated, you’re motivated toward an end. Money is never more than a means to an end. It gets you things, whether it’s a motorcycle, and new sword, or a title at court. It buys a lot of intangibles too, like respectability, clean records, new connections, and occasionally happiness. Even the act of saving money isn’t keeping money for its own sake, but having it buy security for a time when you need it. Investing it can increase the amount, but that just buys further security and the knowledge that it isn’t inert.That extra cash you’re getting means that it’ll buy more of whatever it is that you want.

Money isn’t a motivation

I already said it isn’t a motivation worth having. What matters, what’s interesting about money, is what characters do with it once they have it. Do they spend it on themselves, on their family, making new friends, or give it away? How do they think about it? Does it frighten them or intrigue them? In D&D the answer seems simple, since most characters spend the lion’s share of their wealth on impressive items that improve their magical powers and ability to smack things, but all those really do for a character who’s ostensibly motivated by money is give them the means to get more money. For those increasing in power to settle ancient debts or blood oaths, money buys them the means to fulfill their obligations.

What a character spends their money on shows what they really care about. What they’re willing to do to get that money shows how much they care about the thing they need to buy. These are the spaces to make interesting choices involving money, and they reveal a character’s real motivation.


Scrooge McDuckThere are definitely characters who actually care about money for the sake of itself. They want to have it, and enjoy the touch and scent of filthy lucre. Parker, from the tv show Leverage is one of these characters. So is Scrooge McDuck. And they’re both reasonably interesting characters with all kinds of attachments. It’s tempting to argue on this basis that money for the sake of money can be a motivation worth having. But both characters also enjoy being stinking rich. They spend a lot to secure their wealth, invest in infrastructure, and make tradeoffs and choices about their wealth. Scrooge McDuck keeps all his money in cash and in a giant bin with a dollar sign on it so he can swim in it. Downside is that everyone knows where his cash is, so he has to keep upgrading security to keep those pesky Beagle Boys out.

Money is useful as a motivation only so long as the buck doesn’t stop there. Sure, it’s easy for a PC to make a life as a sociopathic mercenary travelling the road with a group of other sociopathic killers, but where’s the fun? The things that make us people, that make us interesting, are the things we look to that are outside of ourselves. The things we cherish, the things we yearn for, and the things we spend our time and resources on, not the resources themselves.


  • I like to collect gold pieces and gemstones in Skyrim as a way of keeping score. Since I basically don’t need to buy anything ever again, it’s kind of ridiculous. I wish the game would let you drop money so that I could fill a room with it and swim like Scrooge McDuck. x3

    And since the game has collision physics with interactive objects in the world, it’s entirely possible that filling a room with gold coins and running into it would kill you — just like in real life. Dang. xD


    • It’d be a pretty neat idea, though. A room full of gold, gems, and soulgems. You could drop other people into it, I suppose. Or slow fall. Is slow fall still a thing in Skyrim?

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