A slow-rolling series of how the Deck of Many Things works in my homebrew world of Ironguard. (Part 1, Part 2, Part 3)
Infuryana is an ancient red hellkite, spawned in the chaotic fire and madness at the beginning of the time, the template from which all stories of dragongreed (and other dragons) come. Even Tiamat and Bahamut are respectful in her presence.
But Loki wasn't. His bargain with her was that based on the cards, her hoard would increase significantly. And over the centuries, it has. He neglected to tell her that her hoard may shrink as well, as the cards required.
She has vowed to deal with Loki eventually.
Talons: All magic items you possess disappear, permanently.
Such items, be they on the person, loaned to another, or hidden away, immediately disappear, fading into nothingness, to reappear in the horde of Infuryana. Observant card drawers have noted a rumbling laughter rolling through the air as their treasures disappear. This laughter is Infuryana's gloating at her newfound loot.
Ruin: Immediately lose all wealth and real property. (nonmagical wealth is specified later in the description.)
This card, too, is accompanied by deep peals of laughter, as Infuryana's horde increases by the amount the drawer has lost. Granted, this only applies to monetary wealth and portable trade goods. Property such as land and buildings suffer a disaster of some sort (infuriating the various deities of nature and specific places besides).
Recovering lost wealth is ... not exactly impossible, but certainly improbable. Other cards in the Deck of Many Things may recover, or at least replace the lost goods. Wishes, divine boons from certain deities, and DM fiat also return treasured things.
In theory, diligent PCs could discover the location of Infuryana's lair, and then beard the hellkite in its den, but that is considered folly by even the most jaded treasure hunters and explorers.
Still, the glory of being the ones who broke the Deck of Many Things is alluring to some.
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