Why Buy a House
Especially in that classic D&D setting, after awhile adventurers have to be some of the wealthiest people in the world. Funny how they also tend to be homeless. Not just a renter, but litterally living from Inn to Inn, campsite to campsite. Nary a gold piece to spend towards a house, a tricked out carriage, and other finery. Now this is due mostly from 3e in which you had expectations of magic item value per level. So naturally every gold piece was given and expected to be used to support this wealth per level.
So how to encourage what people do naturally – if they have money, they tend to buy nice stuff.
- Income generation. Its more of an investment (an estate) than a home. The estate generates income per play session. It pays off quicky and becomes an income source (and allows for Edges like Rich to become available)
- Consider Iron Dynasty’s honor/reputation system. It has value on the chart — either the PC gets more respected or more notorious. The more they spend, the more it rep they get (probably diminishing returns)
- Can add units that provide bonus. For example, a forge that costs (say) 2500, but allows you to add a power or edge to your weapon that can be changed periodically (normal cost of 2000).