Debtbearer

Source: Wysteria's Journey through Faerie

In Faerie, gifts are never free. You learned this lesson firsthand. At some point, you accepted something from another—a favor, a meal, protection, a treasured possession, a secret, or perhaps something as simple as a kind word during a moment of need. Whether knowingly or not, accepting that gift placed you under an obligation. Perhaps the debt was fair and willingly accepted, or perhaps it was forced upon you by ancient custom. Perhaps you do not even know precisely what you owe.
Some debtbearers spend their lives trying torepay what they owe. Others seek loopholes, bargains, or ways to escape their obligation. Some accumulate debts so quickly that their lives become tangled in a web of promise and favors stretched across entire courts. A fortunate few discover that being owed can be just as powerful as owing.

Suggested Debts

d8	Debt
1	You owe a noble of Faerie a single service to be named later.
2	A stranger once saved your life. You still do not know their identity.
3	You accepted a gift whose true cost has not yet been revealed.
4	You inherited a debt from a parent, mentor, or ancestor.
5	Someone claims you owe them a debt that you do not remember incurring.
6	You repaid your debt long ago, but your creditor insists the account remains unsettled.
7	You owe a favor to a creature you despise.
8	You are owed a great debt yourself, though collecting it may prove dangerous.

Suggested Characteristics

Debtbearers are constantly aware of obligations. Some become scrupulously honorable, ensuring every favor is repaid. Others become suspicious and guarded, fearing every kindness conceals a hidden cost. Many become skilled negotiators, learning to navigate the dangerous web of promises that governs much of Faerie society.

Personality Traits

d8	Personality Trait
1	I never accept gifts without first asking what they will cost me.
2	I keep meticulous track of every favor given and received.
3	I instinctively look for the hidden catch in every agreement.
4	I repay my debts as quickly as possible, no matter the inconvenience.
5	I freely offer favors to others, believing generosity strengthens bonds.
6	I speak carefully and avoid making promises I cannot keep.
7	I enjoy negotiating and haggling, even when there is little at stake.
8	I assume every relationship is built upon some form of exchange.

Ideals

d6	Ideal
1	Honor. A debt willingly accepted must be repaid. (Lawful)
2	Freedom. No one should be bound forever by obligation. (Chaotic)
3	Balance. Every gift deserves an equal return. (Neutral)
4	Generosity. Kindness should create friendship, not chains. (Good)
5	Leverage. Debts are simply another form of power. (Evil)
6	Community. The bonds between people are what hold society together. (Any)

Bonds

d6	Bond
1	I owe a debt that has shaped the course of my entire life.
2	Someone sacrificed greatly on my behalf, and I will never forget it.
3	I inherited obligations that I am determined to settle.
4	A powerful being awaits repayment, and I fear what they may ask of me.
5	I am owed a debt by someone important, though I have not yet collected.
6	I seek a way to break an obligation that should never have existed.

Flaws

d6	Flaw
1	I find it nearly impossible to refuse a request from someone I owe.
2	I am suspicious of generosity and rarely trust kindness at face value.
3	I often keep score in relationships when I should simply be a friend.
4	I would rather suffer greatly than admit I cannot repay a debt.
5	I use favors and obligations to manipulate others.
6	I have become obsessed with a debt that most people would consider long settled.

This is a rare option

This option requires special permission to take. In the case of spells, psionic powers, and similar options, this option must be found in the world and cannot be taken upon level-up.

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Skill Proficiencies

Choose two from among Culture, Deception, Insight, Intimidation, Investigation, and Persuasion

Tool Proficiencies

One of your choice from among Calligrapher's Supplies or one Gaming Set of your choice

Languages

One of your choice

Equipment

A ledger or bundle of writted agreements, a token from an individual to whome you owe your greatest debt, a set of fine clothes, and a pouch containing 10 gp.

Ability Score Adjustment

Your choice of your Intelligence or Charisma scores increase by 1.

Favored Bargainer

You understand the customs surrounding gifts, favors, debts, and obligation. You can usually determine whether an exchange carries unspoken expectations, and others familiar with such customs recognize you as someone experienced in matters of obligation. In settlements where bargains, favors, and social debts are commonly exchanged, you can usually identify individuals who broker agreements, mediate disputes, or keep track of obligations.