Treasure in 4e.
This is awful. Seriously, it’s just bad. I mean, I don’t care about encounter advancement, since I’ve moved to doing XP for accomplishments anyway and plan to keep on with that. But the treasure system is dreadful.
On a systems level, it’s maybe tolerable. If you play it by RAW, it would seem to keep people about where they should be, which isn’t awful, I guess, if you’re determined to have a game where money buys power. As long as they don’t find the inevitable loopholes, anyway.
In terms of setting and roleplaying, though, it doesn’t make any sense. I haven’t really been one of the people blowing the “4e is World of Warcraft” trumpet, because I think it’s a trite complaint that glosses over the enormous history of video games and tabletop games borrowing (and shamelessly stealing) from each other. But when they import the “Disenchant” mechanic wholesale, they’re making it real hard for me to take them seriously.
“The characters don’t find magic items that are beneath their notice—they won’t walk out of the drow enclave with a wheelbarrow full of +1 rapiers.” So apparently when you level up, so does the whole world, and suddenly everything that’s not on the Approved Treasure Distribution List goes away. I guess that’s one way to keep people from melting down lower-level items and making better ones. An extremely dumb way that makes no sense, but hey, whatever, it’s balanced, right? Also gone - giving NPCs magic items they might actually use: “The 5th-level NPC has a 6th-level item—not because he needs it, but because it’s one of the treasure parcels.” Yes, I can imagine that happening. “Well, I’m off to oppress some more dirt-farming peasants. Just need to pack my random level-appropriate trinket so that any adventurers who drop by to stop me are properly rewarded.”
The default world is supposed to be “points of light” - isolated safe environments in a hostile wilderness. With that in mind, it makes even less sense to fill the world with traveling merchants who buy magic items at rip-off prices and sell them at a 500% markup (and yet, are never killed and looted by PCs). Who also mysteriously stop selling lower-level gear.
This is just… really stupid.