this is how Call of Cthulhu works and it's worked out great for my group, most of whom come from D&D and were hesitant about it at first. a big part of why we f

this is how Call of Cthulhu works and it's worked out great for my group, most of whom come from D&D and were hesitant about it at first. a big part of why we found it to be so cool is that it makes purchasing stuff in-universe more of a roleplaying opportunity than merely an exercise in bookkeeping, while also discouraging "murderhobo" wealth-accumulation-seeking metagaming.