The rich would just use crypto
explodicle
They do give you interest, but it's not as good as you can get from investing it elsewhere. And if you owe student loans, they can yoink your return before you were otherwise going to pay the debt.
Two thefts make a restitution
Fun fiction: the Ender Dragon is a she
I have this fantasy where the NSA gets hacked and everybody's porn preferences get leaked at once. Since it's everyone, society just accepts it, the stigmas fade, and America becomes just a little bit less puritanical.
When we net these with everything regressive that happened, we can see that gini coefficient has gone up nonetheless.
Does that mean they took Pact of the Chain? If so, then it's a class feature that's supposed to be powerful. Maybe this signature trick makes their patron impressed, jealous, or bored...
They passed up on Pact of the Blade, so when they do get attacked, they're more vulnerable.
Add some environmental hazards and AoE attacks. Make the fires spread out of control and become a threat of their own. Tempt them with explosive barrels in dangerous places. Familiars die easily, but are cheap to resummon.
Keep attacking them frequently between rests. Make them reconsider that 1 hour familiar ritual and invisibility spell slot.
If even a single witness escapes, he's telling everyone what happened. Most spell casters can immediately put out the fire with Prestidigitation, Control Flames, or Druidcraft.
When they destroy items with fire, describe expensive things melting into worthless things.
I would allow it. The damage is terrible compared to actual attacks, the enemies can figure it out, and it's slow.
Let them have the win until it's underpowered in a few levels. It's fun to figure out a cool combo, and you can just make the game harder.
The Punisher might get off on mishandled evidence...
(Stupid question) Why would they print more money instead of just having a higher deficit until congress increases taxes on the poor?