King's Purse: Negative price

[maxkaibarreto]

Take a 5 minute 20% loan for 10000 souls, repaid every 3s. For every missed payment, gain a stacking debuff that reduces your maximum health by 1% while your life total is above 25% of your un-debuffed maximum. Provides minor regen and has a ~60% avg game length cooldown to buy

 

[StaticSpark]

I like the idea of taking on financial debt mid-game, but I feel there's no way to add this right without major balancing that would ultimately nullify it.
If it's purchasable or accessible from the start of the match, it's a must have to instantly win lane because 10,000 souls is a massive powerspike for 1 player.
If it's too late in the game, it's just not worth it and would be more of a hinderance than anything.

I wish I could comment on a better way to do debt but I can't think of one at the moment

 

[spirits]

play around with the numbers, make it a one-time-buy item and it sounds feasible

 

[maxkaibarreto]

Two-minute off-limits & a team-shared cooldown for the next ten. (Common?) "Bankrupt, not broke" achievement for hitting 75+ stacks & winning

 

[gibnewitems]

No thank you.