GURPS - Compendium 1..

Compulsive Gambling -5/-10/-15 points
You cannot pass up an opportunity to gamble. If there is no
game of chance or bet going, you will start one. You will play
any gambling game proposed to you, whether you know it or
not. Bets, wagers, games of chance and even lotteries hold an
uncanny fascination for you. You do not have to have the
Gambling skill, but you better have a steady source of wealth if
you don't...
A gambler who is prevented from gambling - for instance,
by traveling with non-gamblers - will continue to earn his reaction
penalty by developing the Odious Personal Habit of continually
talking about gambling and trying to draw others into games
or wagers. Really desperate cases will bet with themselves, then
complain about losing.
The point value of this disadvantage depends on the amount
of time the person is compelled to gamble.
Less than one hour a day: Requires monthly IQ roll to keep a
steady job. -1 reaction roll. -5 points.
One to six hours a day: Requires monthly HT and IQ rolls, at -
2, to keep a steady job. -2 reaction roll. -10 points.
More than six hours a day: Cannot keep a steady job - you
are a "professional gambler"! -3 reaction roll. -15points.
Unlike most disadvantages, this one may be profitable.
Compulsive Generosity
-5 points
You are just too open-handed. If a beggar asks you for cash,
you have to make a Will roll not to put your hand in your pocket;
where others will give a copper, you'll give silver. You will
always listen to larger requests for financial aid, if they are even
remotely plausible, and you need a Will roll to avoid falling for a
good hard-luck story. (If you are flat out of cash when you are
asked, you will apologize profusely.) You aren't a complete
sucker; you just feel guilty about being better off than others. In a
society with a lot of beggars around - such as most medieval
towns - your living expenses are increased by 10%.
Note that this disadvantage is incompatible with Miserliness,
but may earn you a +1 Reputation with pious Buddhists,
Muslims and many varieties of Christian. If you yourself are
poor, the reaction bonus will be even higher.
Compulsive Spending
-5, -10, or -15 points
Cash just runs through your fingers! You enjoy being seen as a
big spender, you like luxury too much, or you just find the
experience of buying to be fun - or perhaps all three. You aren't
necessarily inept at making money - you may, in fact, have
become good at it from sheer necessity - but you don't keep it.
Unlike Compulsive Generosity, you don't simply give your
money to anyone who asks; you buy goods and services, usually
for yourself. This advantage is not limited to rich characters in
rich worlds... a poor farmer in a low-tech world can be a spendthrift,
wasting all his money at the local excuse for a tavern.
The point value varies with the intensity of your problem. At
the -5-point ("Mild") level, you are simply careless about
expenses. Your living costs are 10% above the standard for your
social level, and any time you haggle over a purchase, your
Merchant roll is at -1 for impatience.
At the -10-point ("Serious") level, you are noticeably casual
with cash; the local merchants probably love you. Your living
expenses are increased by 40%, and your rolls to haggle over a
purchase are at -2. Furthermore, any time anyone offers you
some luxury for sale that matches any of your quirks or known
interests, and the cash in your pocket is more than twice the asking
price, you must make a Will roll not to buy.
The -15-point ("Wastrel") version of this disadvantage really
makes you a menace to yourself. Your living expenses are higher
by one Status level or 80% - whichever is more. You haggle at -5
to your Merchant roll, and you have to make a Will roll not to buy
something you like and can find the cash for. You must roleplay
all this to the hilt.
Note that this disadvantage is incompatible with Miserliness
(in fact, it's the opposite), but can be combined with Greed. You
grab cash with one hand and spray it around with the other!
Compulsive Vowing
-5 points
You never just decide to do anything; you have to make it an
oath. Although the vows often will be trivial in nature, you will
treat each one you take with the same solemnity and dedication.
You may tack extraneous vows onto legitimate ones.
Confused
-10 points
You are confused most of the time, and the world seems a
strange and incomprehensible place. You are not necessarily
stupid, but you are slow to pick up on new facts or methods.
This disadvantage must be roleplayed.
You also respond poorly to excessive stimulation. If you're
alone in your home on a quiet night, you can use all your skills
normally, but in a strange place or when there's a commotion
going on, you must make a successful roll vs. Will to take decisive or
appropriate action (exception: if you are directly and physically
attacked, this disadvantage does not affect your ability to defend
yourself or counterattack, although it might interfere with Tactics
rolls or any other sort of long-range planning). The GM can assign
penalties to this Will roll depending on the number of stimuli in
the area. Resisting confusion from a pair of friends chatting quietly in
a familiar room would require only an unmodified roll, but a
dance club with flashing lights and loud, pounding music would be
at least a -5, and a full-scale riot or battle would be -10.
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