Pretty bullshit rule when you have to bay back 3x times the reward if you fail.
Sounds so unfair since those adventurers are risking their lives constantly taking those jobs, and probably will suffer physical/material loss if they fail a quest which takes a long time.
I don't see people wanting to take a bet with a high risk quests with that logic.
The more you think about that rule, the more retarded that is. E.g. a quest/job where the reward would be 10k gold coins, and you would need to kill some extremely dangerous beast.. Imagine fucking that quest up (and maybe losing a limb/team mate etc), and after that guild would expect you to pay them 30k gold for failure..?
Yeah no, I just don't buy it for that system to work.
I wonder if personal bankruptcy exists in that world, or do you end up in jail/slavery if you can't pay that debt?
That would be even more reason for adventurers not wanting to take high risk/high pay jobs.
I just get the idea that the author didn't think that one point through enough