I'm gonna forget what I'm assuming or guessing or whatever, and I'm just gonna ask everyone else.

1) Finn has $5, a .45 Automatic, an Elder Sign, and a Wither Spell. Finn rolls a 1 on his Bank Loan roll during his Upkeep. What happens?

2) Exact same situation, only Finn has NO money. What happens?

Nothing in both cases. He can always choose not to pay it, and he can't lose his items. Because of this, I just gave him a Bank Loan to start the game and went ahead and worked the extra $$ into his starting setup.

Therefore, the main effect of Finn's bank loan is that he cannot take out a second bank loan until his current one is paid off or somehow forgiven. Is that correct?

avec said:

Exactly. I'm glad there was an official ruling on this (and that I was playing it correctly in the previous game I used him). In all likelihood, a player would want to default on their bankloan with Finn (unless they're totally obsessed with score).

KevinW said:

Thanks, Kevin! The implication being that Finn is so good at being "slippery", no collection agency or repo man can locate him.

Just one further clarification: in the case where Finn has no money, he won't lose his items, but what about the Loan itself? Can Finn choose whether or not to default on his Loan? Technically, the Loan is not an item.

Or am I missing the point? Is the idea that Finn can be flat broke and still "choose not to pay it", thus negating the whole "failure" paragraph on the Loan?