The christmas spirit is in the air, releasing its stinky pheromones that washes our brains into thoughtless consumerism. Let the spirit invade your game world with this brand-new option for your players’ characters to spend their hard-earned silver pieces on.
Elfpunk. The suspicious man in the black cloak with the weird eye is actually a barber surgeon who can medieval/cyber-improve you with “The red eye of sleep”, a magically imbued red orb the size of an eye that, when encrusted in your forehead, allows you to cast the spell Sleep once a day even if you are not a caster. 10,000 gold.
Pay for protection. The crazy old woman, “Mad Hattie”, needs 5,000 gold. If you refuse to give it to her, she will curse you. Her curses are level 5 necromantic spells.
A much needed cure. That mad old woman, “Crazy Hattie”, can remove any curse from you. It will cost you 6,000 gold only.
Combat options. Dr. Brain, actually a mi-go in disguise, but a civil one, can remove those extra bones from your hip and chest, allowing you to have an extra attack every two rounds (round 1 two attacks, one on your turn, another last; round 2 one attack on your turn; round 3 two attacks again…) It will cost you, 12,000 gold and one point of permanent Constitution.
A time for introspection. When you kill, you accumulate bad blood points equal to the monster’s or npc’s XP. When you reach 1,000 bad blood points, all your rolls are done at -1. When you reach 2,000 bad blodd points, they are done at -2. And so on. Remember that weird man in the black robes by the temple, with the scary laugh? He will relieve you of your sins… for a price. One bad blood point per 1 gold coin is erased from your name in the book of names that keep record of all your sins (and therefore these penalties).
Festive merriment. The PCs arrive in town in the middle of some festivity or another, and forced to break through with money and gossip. Each piece of useful information, rumor or clue will cost them 200 gold, modified by their charisma (a +2 grants a 20% discount; a -2 costs them 20% more).
Books. You see that lady in the long black overcoat? She sells dangerous things. Poison, thief tools, dark charms. Books. Her books, while owned, grant you a bonus to a specific action or area of knowledge. Maybe an extra +1 to saving throws versus poison or a free re-roll when a climbing roll is failed. Is she doesn’t have a book on the matter you want, she can get it, for an extra 100-500 gold, of course. 1,000 gold per book is quite reasonable, right? But there are some forbidden tomes that would cost much more than that.
Personal training. Pay a teacher and in one week, gain one skill point (LotFP skills) or 15% in a skill (B/X thief skill). Only 5,000 gold.
Liquid courage. 500 gold will get you a bottle of dwarven ale. In combat, you gain +1 to attack rolls but -1 to AC (but your AC can’t be lower than the unarmored value).
Fulfill your heart’s desire. Lovelie’s is open for business. Some work might be needed, but Lovelie’s night therapy will improve you. Whether this means you gain a permanent point in one stat, XP enough to reach your next level, the ability to never be surprised, or being irresistable to the same or the other sex, she can do it. But her services are not cheap.
If you need more option, check The Goatman’s Goblet. He has a good list!