Frugal
Tier 2Frugal is wealth insurance for dangerous neighborhoods. While equipped, you lose 80% less cash from dying to players - and in exchange, you don't gain cash from killing players at all. The flavor line lays out the philosophy: "Wealth is quiet. Rich is loud. Poor is flashy."
The charm is a pure defensive economic tool. For players carrying meaningful cash through PvP-active zones - travelling between vendors, farming in contested areas, or simply logging hours in a world where invasions happen - it converts the worst-case robbery into a minor tax. The cost only exists if player kills are part of your income: bounty hunters and invaders give up their cash cut entirely.
That makes the decision almost archetypal. PvE-focused earners and the frequently-hunted lose nothing they were counting on and keep 80% more of their pockets on death; PvP predators are paying real income for protection they may not need. Frugal requires Level 10; its zone, weight, and drop or vendor source are not documented in current community documentation.
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FAQ
Who should use Frugal?
Players who carry cash and die to PvP more often than they profit from it - the 80% death-loss reduction protects your wallet, while the no-cash-from-players clause only hurts active PvP earners.
Does Frugal reduce cash lost to NPC or environment deaths?
The documented wording covers dying to players specifically; it does not mention other death types.
Other spirit charms
Source-checked
Compiled from community documentation and cross-checked sources; values pending in-game verification. Stats transcribed from the in-game charm card. updated · GuideDex staff. Report a correction.