It's my understanding that you have to make a roll against your wealth rating against the resistence of the item or service's value rating. Someone with a high wealth would have a much better chance of success. Also, the lowering of your wealth rating by 1 is only if the value is higher than your wealth so someone with a 15 Wealth would have to lower their Wealth by 1 if the spell cost was 20 but someone with a wealth of 5w would not.
I have to say that my players & I like the idea of a Wealth rating. They hated being accountants and having to go through tithing and paying for everything. You could just rule not to nickel & dime everything but then you might as well just use Wealth.
Camo
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