[mareofnight]

I imagine that how organized the unused stuff is would be a factor in how high the tax is. If you can't remember that you own it and where it is when you need it, there's no usefulness to having it. If it's getting in the way of finding other stuff, the value becomes negative.

In large quantities, stuff taxes also include how large a dwelling you need and how difficult it is to move.

Studying abroad made me more aware that there are penalties for not having stuff, too. It was mostly basic cooking implements that I missed, and also things that are just useful to have around, like tape and plastic wrap.