Dirt Poor

The Dirt Poor flaw suggests a lot about a character’s background and usually indicates an impoverished upbringing. This flaw influences a character’s starting funds, as detailed in Chapter 9: Goods & Services. In addition, it adds a +1 penalty to any use of the character’s Personality-based skills when he tries to deal with situations involving characters from a higher social or financial standing.

The Gamemaster also determines a character (not another character) to whom the character owes money. As the campaign progresses, the character must make payments to this character to remain in good standing. How this works in a particular campaign is left to the Gamemaster.