The new player who is joining my game (a Barbarian) will start off with the disadvantage Wealth: Struggling (-10p). Noone has chosen a wealthlevel thus far so now I'm thinking how to make it impact the game. Basically my approach is that a players "loot xp" gained is based upon what that player is selling (counting base sale value). This means that a player with Wealthy could sell everything to score the party some extra coin but it would also mean that player will get all the xp for that loot. For Struggling players this means that the party will lose some coin total if that player is to gain the same amount of xp from loot as the others.