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I ponder over how point debt can be used, when it should be used, and how to prevent abuses by players. The whole point of calling it point debt after all is the idea that you're going to pay it back... http://ravensnpennies.blogspot.com/2014/04/gamemasters-guidepost-character-point.html

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Ravens N' Pennies: Gamemaster's Guidepost: Character Point Debt

Character point debt...hmmm. It can be annoying and it can be a wash, depending on the GM and the player. First, in case you're not familiar with the concept, there is only one mention of it in the Basic Set (p.

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