Quote Originally Posted by ericgrau View Post
Actually a level 20 character can't even afford a castle let alone a minor nation. And while most people don't make that much money their total net worth after years and years is often a few hundred gp to a few thousand.
I was exaggerating, if you think about the value of a +1 sword, no bandit would wield one. A stay at a good Inn and two good meals costs 3gp a day. That minor magic item could support you for nearly a year. He's better off selling the item and living off that money then risking his life using it.

If magic items can't be exchanged for gold then the bandit has a very good reason to wield magical gear. He can't sell it for food so he might as well use it to steal what he needs.