The example is the Telluride though? That’s the whole point. Of course any sane person would pick a cheaper car. For that matter why would you ever buy a brand new car?

I definitely agree, but I went with the option which would have the lowest monthly payment. On the other end local rates have a 36 month loan at 6.75%, but that’s $1,800 per month.

I just Googled and the 2024 Telluride has an MSRP of ~$55,000 in my area, used 2023 models are about ~$45,000.

Looking at an auto loan calculator, that’s between $700 and $900 per month with a 96 month 9% auto loan.

Point is, if you can afford the car you’re probably not worrying about the subscription except on principle. If you can afford the car and have principle concerns you’d probably buy a different car.

I don’t know if 5e has starting age tables? 3e and Pathfinder do, it’s an optional character creation thing that helps show the general age of most things. It starts off with the starting age of a given race and then has a table with different classes and dice. So for a human the starting age is 15, Barbarian/Rogue/Sorcerer is 1d4, Bard/Fighter/Paladin/Ranger is 1d6, and Cleric/Wizard/Monk/Druid is 2d6.

So a typical cleric starting age would be 16-27. At that point they are a level 1 Cleric and have a grand total of one level 1 spell per day. 5e is more generous and gives them two level 1 spells per day.

That spell should do a lot, and in a small village would be amazingly effective, but at a certain point there just aren’t enough spells per day for everyone. It should actually be hard for adventurers to get healing because the local cleric should probably have spent all his healing for the day by the time they get to him, he can probably squeeze them in tomorrow when he’s recovered spells.

Except that it’s exceptionally expensive. 5e is probably the most forgiving with its currency, a Raise Dead spell costs only 500 GP (assuming no extra fees) and while it’s hard to approximate wealth in the game I found an old Reddit post that approximated it to ~1 GP = ~$1,000. So $500,000 minimum for a Raise Dead.

While there are probably people in your life that would sell everything to bring you back, would you really want them to? How many times could your family and friends pull together $500,000 to raise someone in the group?

If you’re so obscenely wealthy that you could afford multiple Raise Dead in your lifespan you’d have other, more political problems. For example you’d have people lined up down the street asking you to raise [insert tragic story].

Speaking of Political problems, you have to find someone willing to raise you and someone willing to finance it. If the king dies and the Prince takes over what are the odds that he’s going to raise his dad and give up that power? If he’s a bad king it might be hard to find a cleric willing to do so and even if he’s a good king a benevolent cleric might not have 500 GP to finance it himself. You could leave the money with a cleric you trust, but he could always just keep the money. If the Prince isn’t willing to Raise the king he’d also probably go out of his way to hide, protect, or destroy the body to make a Raise Dead by an outside source more difficult.

In setting I think you’re right, a good person, who is exceptionally wealthy, can probably ignore death. Someone like Lord Nasher from Neverwinter probably doesn’t have to worry about a simple stabbing, someone will Raise him in 10 min and probably be rewarded 100 fold. However, if you’re able and willing to attempt that sort of assassination you’d also know how limited the effect would be and probably wouldn’t even try something so simple.

I can’t speak for the mechanics of any game you’ve played as the GM can change these things, but most people don’t treat Good and Evil as being so simple. Most games I’ve been in treat evil as varying degrees of selfishness while good is selflessness. The landlord that mercilessly squeezes the tenants for an extra nickel would probably be evil, maybe not as evil as a vampire who kills to sustain their immortality, but still evil. Just because someone is evil doesn’t mean they deserve death, we don’t execute thieves in the real world.

A magic weapon or spell that can only harm evil people doesn’t mean that you can nonchalantly use it. If you used holy word in the middle of a crowd and killed 30 people who were just shitty people you’d be evil as well. The same goes for using the sword, if you go around stabbing people to see if they are evil it would make you evil.

Not sure how you’d use the sword to detect evil people without the stabbing part, what are you gonna do, tap them with the pommel and see if they felt anything?

That’s what he’s saying, the spell can’t discern between the mass murderer and the lowly thief, the user of that spell should have the restraint to not jump straight murder. Not all evil beings deserve death.

I work in permitting and I get to see a lot of businesses in a lot of industry types. Everything from small mom and pop places to places that have hundreds of employees, small contract jobs shops all the way up to massive chemical manufacturers. One common question I ask is about staffing, typically if a business doesn’t have enough staff to run the business appropriately it’s a good indicator of whether they will be able to meet their permit requirements.

By and large the only businesses who say, “Nobody wants to work anymore,” are places that don’t pay enough. Every single time it’s a pay issue, maybe rarely it’s a personality problem. I had one new business (that’s particularly dirty and hard to hire for) come in and they wanted to start up fast, rather than hiring and training new employees they literally went to their 3 competitors in town and hired their staff directly. An extra $2.5 an hour, 17 people left which nearly crippled the competition, and they had fully trained staff that were more than happy to work in that type of business.