Here are five reasons why you don’t want to live in the world implied by the Dungeons & Dragons rules - unless, of course, you’re an adventurer.
1. Theft is legal if the owner is already dead
Dungeons never belong to anyone. If they did, you wouldn’t need traps and monsters to guard your treasure - just an alarm spell that calls the police. Likewise, if you kill someone, it’s pefectly legal to take their stuff.
2. Orcs don’t have rights
Neither do kobolds, goblins or ogres. You want to live in uncivilized tribes, you don’t get the protection of law. In fact, it’s considered polite to murder you on sight. The exception is if they’re an adventurer. If you’re a crazy enough orc to steal from dungeons instead of raiding caravans, the law begrudgingly accepts you as a good guy.
3. Adventurers pay no tax, ever
Somebody must be paying for all these town guards, city walls, roads, abandoned fortresses and cultist-infested public sewers. The king evidently funds all of this with some kind of tax, but nobody ever taxes the adventurers. Impoverished farmers pay ten percent of their crop while millionaire dragon-slayers waste their savings on personal fortresses and marginally sharper magic swords.
4. Prices are fixed by the government
No matter where you go, a Magic Sword +1 costs the same amount. Whether it’s 2,000 gp in your kingdom or or 360 gp, you’ll never get a better or worse price. Why? Clearly, the king is secretly price-fixing to control the supply of magic items. Otherwise, supply and demand would eventually let every peasant own a magic sword and the people would overthrow their tax-happy king.
5. Beggars are the richest peasants in town
If you’re a farmer, you maybe earn the equivalent of one or two silver pieces a day. A hundred gold pieces is more than you’ll see in a year. Imagine how much more profitable it is for the beggar in a major city, when a high-level adventuring party drops him 100 gold in “spare change”. All he needs to do is sit outside any tavern with adventurers staying in it, and he has a hard-working man’s annual salary. No wonder the peasants are fomenting rebellion.