Shylock (The Loaner)

Shylock is a mysterious entity that often lends help to spell casters when they are at their limit allowing to enter the condition known as Overload. While in the condition known as Overload the caster is allowed to cast spells even if they are at there absolute limit, however when doing so they enter a debt that must be payed off after they are out of the immediate danger but before they gain their ability to cast spells normally again the caster goes into the condition known as Collection. While in Collection the user is paralyzed allowing the Shylock to judge the how much debt the user is in magic. This condition allows the Shylock to collect payment without casters being able to avoid it. Once the payment has been given casters will be able to recover spells normally. The Shylock is a double edged sword that feats on the destruction of those that casts too many spells. The Shylock is considered to be an equivalent of a Loan Shark however he is a higher power as he is equivalent to a god.

''Player's Mechanic: All Casters are able to cast spells even though they have run out of Spell slots. After combat or whatever situation players have gotten themselves into you will immediately enter the Collection condition and will be paralyzed (in a sense). You will meet with The Shylock where he judge your debt and you will give payment. After the transaction is complete you will be able to regain spell slots like normal.''

Player's Note: Prices can vary however some prices for over casting are as follows: Levels of Exhaustion, Burdens on the body such as arcane scaring, disadvantage to keep concentration, Disadvantage on attack rolls for those types of spells, Repayment in damage (where it will reduce you hit point maximum for x amount of time), Those that are not careful can be instantly killed by casting too much.