Yamato

Necromancy Cast Time: 1 action Range: 60 feet Components: V, S, M (a handful of ashes and a copper coin) Duration: Concentration, up to 10 minutes Effect: You lay a curse on a creature within range, symbolizing financial ruin and despair. At the start of each of the target’s turns, they take 3d8 necrotic damage as the curse steadily erodes their lifeforce and they gradually loose their currency from the inventory (halfing the sum on each turn). While cursed, the creature has disadvantage on all saving throws to resist effects that cause damage or would inflict a condition (such as being frightened, paralyzed, or stunned). Additionally, the cursed creature has disadvantage on ability checks and saving throws using Wisdom, representing a weakened resolve and diminished judgment under the spell’s influence. At the end of each of its turns, the creature can attempt another Wisdom saving throw. On a successful save, the curse ends early, freeing the creature from the debilitating effects.