What do you think about tricks like:

Let's say I'm Charlie Kane. I want to Pass my personal quest ASAP and I'm not afraid to get dirty in process.

My starting money is 9$. Starting at 3 speed parameter I'll get to the Bank and will get a Bank Loan to the end of the second turn. To the end of the third turn I will be at Newspaper with required amount of money to pass my presonal story at the beggining of the fourth turn. Then, immediately, I give all my items and money to another investigator, default my bank loan and as a result all I lost during this process is 1 point of aftergame score for a powerful ability to neglect terror track which will wreck many AO's and Heralds.

Another one I can think of is Finn Edwards giving away all of his money to someone else to get rid of nasty money draining upkeeps and then eventually taking them back.

I do not see anything technically wrong with the first “trick”, however I do not consider it to be worth the effort, except maybe if you are fighting a GOO or herald, that makes terror level rises particularly nasty or likely. I think of it like this: You spend three player rounds on the whole endeavour as well as 5$ and you save 1 clue token per prevented rise of the terror level.

Concerning Finn Edwards’s Bank Loan: I think, it was clarified somewhere, that you can always chose not to pay and face the alternative, i. e. discarding all of your items (or nothing happens, if you are Finn Edwards).

With this, if you're lucky with terror timing, you can keep terror level at the 0 mark to the end of the game, 1 clue token instead of 2 is HALF of price, it's like sealing the gate with 5 clue tokens instead of 10.

List of those who will suffer from this: Hastur, Glaaki, Rhan-Tegoth, Father Dagon, Dunwich Horror, King in Yellow, Ghorth(lol).

And these are only additions, the real benefits of terror level being at 0 all game long is unquestioned(no tore closing, no personal stories failed and etc.).

Wrzlprmft said:

It was clarified. You can just default on Finn's loan without discarding anything else.

Personally, I don't mind terror much. I don't really care as long as it doesn't close the unique item shop :') Although it is annoying sometimes if there's an ally I really want (i.e. Professor Rice) that I lose to it. I hardly ever shop for common items anyway.

Avi_dreader said:

Terror = 0 is pretty important for us who play any kind of league/competition when the final score does matter :-)

That's why we try to completely avoid using Elder signs to seal a gate (-1 point) and also do not spend gate and monster trophies.

And we also have to take great care of the key investiagtors - when an investigator dies, he must not be used in next scenarios.

This makes each game a bit more challenging and we have to think more carefully how to win under such conditions.