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  1. London 1800s
  3. Lore

Time, Debt and Failure System

⚖️ TIME, DEBT & FAILURE SYSTEM

⏳ 1. Time vs Money (Earning Power)

👉 This defines how hard money actually is to get

£1 Value by Area

Slums

  • £1 = several days to a week of survival work

  • Requires consistent effort or luck

  • Losing £1 = serious problem

South London

  • £1 = ~1 week of steady work

  • Manageable but important

Southwark New Works

  • £1 = a few days of work

  • Easier to earn, still meaningful

Southwark

  • £1 = 2–4 days work

  • Stable but not trivial

East Southwark / Bankside

  • £1 = a few days

  • Depends on trade/work access

Docks

  • £1 = 1–3 days (if work available)

  • Can be fast or delayed

East End

  • £1 = 3–5 days

  • Consistent but draining

Soho

  • £1 = 1–2 days

  • Easier through flexible work

City of London

  • £1 = small amount

  • Easily earned in professional roles

Kensington / Belgravia

  • £1 = negligible

  • Routine expense

Mayfair

  • £1 = irrelevant

  • No impact

£10 Value

Slums

  • Life-changing

  • Weeks/months of survival

South / Working

  • Major amount

  • Could stabilise life

City

  • Moderate

  • Useful but not major

Mayfair

  • Minor

£100 Value

Slums

  • Transformational

  • Escape-level money

South / Working

  • Huge

  • Major life shift

City

  • Significant but normal

Mayfair

  • Routine

💳 2. Debt / Credit / Obligation

👉 This defines pressure and control

Slums

  • Informal borrowing only

  • Small amounts (1p–5s)

  • High risk

  • Repayment enforced socially or violently

South London / New Works

  • Small personal loans

  • 5s–£5 range

  • Based on trust or work

  • Failure damages relationships

Southwark / East Southwark / Bankside

  • Structured informal credit

  • £1–£20 range

  • Work-based repayment

  • Some enforcement pressure

Docks / East End

  • Debt tied to work and opportunity

  • £1–£50

  • Can trap individuals in cycles

Soho

  • Flexible credit

  • £5–£100

  • Tied to services and influence

  • Risk increases with amount

City of London

  • Formal credit systems

  • £10–£1000+

  • Contracts, legal enforcement

  • Reputation critical

Kensington / Belgravia / Mayfair

  • Debt exists but controlled

  • £100–£10,000+

  • Based on reputation and assets

  • Social consequences > financial

Royal Grounds / Estates

  • No traditional debt

  • Controlled internally

  • Obligation replaces currency

⚠️ 3. Cost of Failure

👉 This defines stakes

Slums

  • Immediate survival risk

  • Loss of shelter or food

  • Rapid decline

South London

  • Loss of stability

  • Move toward slums

  • Family pressure

New Works

  • Loss of work

  • Forced relocation

  • Instability

Southwark / East Southwark

  • Loss of job

  • Drop in status

  • Increased risk exposure

Docks / East End

  • Loss of work access

  • Hard to recover

  • Vulnerable to exploitation

Soho

  • Loss of income stream

  • Social exclusion

  • Forced shift downward

City of London

  • Loss of position

  • Career damage

  • Reputation loss

Kensington / Belgravia

  • Financial strain

  • Loss of comfort

  • Visible decline

Mayfair

  • Social ruin

  • Loss of reputation

  • Exclusion from elite

Royal Grounds

  • Removal from position

  • Total loss of status

🏆 FINAL RESULT

You now have:

Money =

  • How fast you earn it

  • How you borrow it

  • What happens if you lose it

🧠 Key Insight (Most Important)

👉 Same amount ≠ same value

  • £1 in slums = survival

  • £1 in Mayfair = nothing