Firstly why would someone go through that level of contrivance to get Polymorph Other cast on them when there are so many mages around? My point is that this is the Realms we are talking about. There are plenty of powerful casters everywhere. In every geographical region including under the sea, under the ground and depending on how the dragons are feeling today, up in the sky. Entire races are magical, entire nations are magical, there are so many powerful mages that they have formed various competing groups. Many of them are world famous if not locally famous. If you live in Cormyr, go look up the War Wizards. If you live in Shadowdale, creep softly to that door surrounded by the INCREDIBLY scary warning signs and hope Elminster is in a VERY good mood. If you are Waterdhavian, you might not know Khelben Blackstaff on sight but you darned well know who lives in his tower. If you are one of the lucky, lucky few who live in Silverymoon go petition Alustriel. She has a palace, can't miss it. Look for the biggest, shinest building.PaulH said:SNIP
I disagree that people do not know magic. They personally can't cast spells but they do know of it. They have a rough idea what magic can do, including changing a person's shape. They are familiar with magic since so many mages live among them that you might walk past one on the street. I would imagine that if magic were still a mysterious and dangerous force, they would run like hell at the sight of a mage. After all this is a setting where many have suffered due to the acts of evil individual mages like alone groups like the Cult of the Dragon, the Zhentarium or the Red Wizards, some of whom run entire countries. If indeed, one has such experiences and one cannot distinguish a good mage from an evil mage or a powerful archwizard from a rank apprentice, why would anyone not run at the sight of a wizard? It might be a necromancer out for fresh bodies or a transmuter looking for more cannon fodder. Magic is so familiar to the people of Faerun, it would be like people living in the Marvel Universe being ignorant that superheroes exist. There are regional feats in 3E that even allows for people to cast cantrips (as noted by Eacaraxe), keep their own spell books and even use spell completion items. Magic is neither rare nor mysterious to these people. The average peasant might not have any ranks in Spellcraft or Knowledge Arcana but he definitely knows what magic can do. Hell, if you live in the right place, you might get to see epic mage duels every so often when Elminster or the Simbul duke it out with this week's cabal of evil mages.
I have been using 2E rules in this discussion so Polymorph Other is a 4th level spell rather than a 5th level spell like in BG but I am afraid I have to tap into 3E for earning potential since 2E hardly mentioned it at all. Take it that the average peasant has 4 ranks in Profession because why wouldn't you? At +0WIS modifier and assuming statistically the peasant would roll a 10 for every Profession check, the average peasant would earn 7gp per week or about 28gp per month. It turns out that hard work is more profitable that singing for your supper.
By the by if your DM in 3E was giving you less than 450gp per burned village, that fellow was seriously shortchanging you! RAW, 64 commoners is a CR 6 encounter and should yield about 1600-2000gp in treasure. Hey I never said that 3E was sane or made sense!
In just about any other setting, I'd agree with you that first level adventurers are heroes in the making. Faerun however is crawling with them. If you took everyone with a PC class and stuffed them on Evermeet, I am willing to bet that the place would have the population density of Hong Kong. There are just so many of them in all the media that its not unusual to meet an adventure, or a whole party, at the local inn at least once in your life. If we take ~28gp a month to be what a level 1 commoner would earn it would make perfect sense that level 1 adventurers have the gold they do. Its a few years of saving your pay from on the job training. As for 200gp.... that was the maximum starting gold for a Warrior in 2E. Too little to even buy banded mail if you wanted a weapon too. Sad, so sad. To think that Field Plate cost 2000gp back then. It was honestly more profitable mugging knights using the sleep spell than it was raiding goblins. Ultimately the math does check out, getting a wizard in 2E to cast polymorph other is more a business transaction than anything else. As Eacaraxe noted, it does not have to be all in cash; it could be in kind, services or installments. Still it would be a GOOD idea to check the alignment of the caster first. Evil people might be bad but Chaotic Neutral is right out.