Richter could do a lot of things with more cash, such as attract new settlers, establish a trade network, build up an army, pay for future campaigns, hire mercenaries, build up new territories, win allies, start a number of public works and the list goes on. Its hard to imagine a downside to having money as a country. The problem is that while the mist village has assets worth millions in gold (the core buildings and the Dungeon), those assets currently do not generate much of a revenue stream. Rather they are an economic drain. 1) The forge of heavens currently has the manufacturing capacity to produce multiple weapons or a few suits of armor every day with free extra traits for weapons. 10% extra damage to spell barriers isn't much, but its a free trait. In addition, they have the crystal mine and a few enchanters, which means every single product could in theory be enchanted. As of this moment none of the products are being sold off to cover the costs of running the forge, instead Richter covers the costs of producing everything from mundane plows to enchanted Kindir slingshots. Even the trade treaty with the sprites does not bring in as much as a bent cobber. In addition to the mine itself not generating revenue, there are the costs of running the crystal mine (crystal gatherers) and the regular mine (miners and guards patrolling it). 2) The cauldron currently has the capability to mass-produce potions. Its really understaffed though, and lacks the raw materials to keep the handfull of alchemists and their students working full time. The forge has barely stayed ahead of current village needs, it cannot provide the sprite allies with potions, let alone spare some for trade. In addition to the cauldron not generating revenue, there are the costs of manning the fields and other facilities used in herb production. 3) The Dungeon. This is arguably Richter's biggest moneymaker. The more people enter it on a daily basis the better. But to attract those people and to squeeze them for as much money as he can he needs a huge array of services, such as whores, bars, merchants of every sort, a market, a housing district for adventurers, guard stations, etc. None of that currently exists, and the taxation is minimal. I wouldn't be surprised if the cost of manning the guardpost is greater than the income from the Dungeon currently. Once people start Dungeon diving there should be some additional revenue, but it would mostly be villagers risking their lives for copper, silver coins or pieces of trashy loot. With the village currently taking 10%, they'll be earning less than a gold per day for a long time. Currently the Dungeon is marginally profitable at best. In six months to a year it should help to offset expenses significantly. Meanwhile the village is bleeding money and the day they default on basic salaries draw ever closer. So what's the good solution (hoping for a windfall isn't a strategy), a loan from the dwarves or the banks perhaps? Given the economic potential of Richter's assets the dwarves/ banks would know the village is good for it. The interest could be dear, but better to borrow the money needed to pay the bills and for future expansion, than go bankrupt. Edit: He could also start selling promisory notes with a due date a year later to the villagers in order to raise cash. Its not like they have a lot of places to spend their money anyway.