Both a negative trait and an acceptable feat.
Freeloaders have advantage on any enemy an ally is within 5 feet. and +1 ac when standing directly next to an ally.
they have advantage on deception the first 2 times they deceive an npc or enemy.
when paying for your meals or inn, and shopping there's a 1 in 8 chance you will "forget" to pay thus both saving your character money and peeving off npcs.
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