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How balanced and clear is my Arcane Luthier subclass for the Artificer

I’ve long been disappointed by how brief and largly meaningless D&D 5e’s handling of musical instruments is. Bards can use them as spellcasting focuses, but other than that, there’s not much to them. Hardly anyone has a reason to play a musical instrument for any length of time, nor does it really matter much if […]

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Decision theory – Example

Your wealth is $€14400$. If you have no accident, your wealth remains unchanged, but if you do, you need to pay $€4400$ to cover medical costs. If you have an accident, the insurance reimburses the medical costs but you need to pay a premium $p=€2300$ whether you have an accident or not. Your utility over […]