TheGenerator says:
How do you rule this? Does this mean that a character who is purely out for adventure and not so much the loot would have a disadvantage compared to other party members? Or is it more of a party wide thing?
If you find a treasure and say "You can have this treasure, John" who gets the xp?
Also, does it only count in dungeons? Like what if a person found a coin on the ground while walking to the dungeon? :P
Firstly:
Don't bargain on leveling up. That is not really the intent of the game.
Like most PbtA games (actually like most games that are not DnD descended) there is no need to keep characters at equitable levels. Most PbtA games even have and Advanced Advancement where you retire your current character and start a new one, at 'level one'. So we are not looking for balance in that way.
However we will try to be 'fair'. If someone feel hard-done-by, we can arrange for them to get a windfall to bring them up to equal-standing. (Shout in a PM if you think this is needed).
But, remember that the leveling system is complicated. This is an advantage of 'XP for Gold', we can do much more with it:
• It does matter how you get the money: picking it up in the street (even if it was in pocket in the street) is as good as getting it from a dragon's hoard. Silver is, by definition, fungible.
• Your character sheet is both prescriptive and descriptive. Using XP to buy a Skill or Ability adds it to your sheet and means you get it in the fiction (tell us how); but if you gain a Skill or Ability (or Item) in the fiction you get to add it to your sheet. (But it is less secure.)
• Note the phrase: 'coin that you loot from the dungeon'. That is a bit prosaic --since we are not really 'dungeon delving', but it does still mean 'you have to bring it home' before it is counted: probably no leveling up in the field.
• Silver spent while adventuring does not count towards XP, but can still make you stronger --through purchase of items-- or keep you alive. You can also 'throw money at a problem' to safely overcome a threat, maybe through bribes, maybe you simply pay the troll to go away.
• Spending silver on Gear is as important as spending it on XP. You can only spend it once (fundamental part of economics:), so XP, vs Gear, vs bribes and safe lodging is a constant consideration.