[LaffertyDev]

For the games I've DM'd there's almost always been too much Stress and not enough Downtime Actions. The players would spend a good chunk of their Payout on downtime actions for stress reduction/healing. I don't know if I ever saw a player actually put a coin into their retirement stash.

A game centered around moving money, but not acquiring it, could be very interesting. You could tease out a few interesting scenarios and have meta-progression where helping others can create a network of skills. (i.e. you helped the baker pay her debts, now she will bake bread for you at cost.)

[mcv]

Can you get extra downtime actions for coin? I don't think I've ever done it. If I start spending it on that, I'll never accumulate any coin. Because to be honest, that stress mechanic is giving me stress. It really felt to me like a game that you're always going to lose. But maybe spending coin on it helps.

[LaffertyDev]

Yup! RAW.

https://bladesinthedark.com/downtime-activities

> A PC can make time for more than two activities, at a cost. Each additional activity from the list costs 1 coin or 1 rep. This reflects the time and resulting resource drain while you’re “off the clock” and not earning from a score. When you complete a new score, you reset and get two “free” activities again.

Spending coin on stress reduction certainly helps. If a player gets a 2-coin reward for a score, I'd hope they stashed one and burned one on something.