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A bandit with mail and a horse is a Lord. Are you simulating medieval class society? That rich merchant is infact the Lord Mayor (and 10+th level thief, etc). The wizard who can sell potions? The Chancellor of the Free University. These NPCs have motivations other than wealth: fealty, religion, enslaving vast numbers of peasants, stealing other people's ...


Before the phat loot, players had to go to mayors and governors to beg them for quests so that they could get rewards. After they get rich, make them pay for that expedition to Magic Africa to get the sacred idol of who cares. Or magic items, or more money, or whatever they find (they may even not get their money back in more loot, but they could gain ...

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