Incorporeal Movement. Gold Spirits can move through other creatures and objects as if they were difficult terrain.
Hit Points. Hit points are equal to the amount of gold on the creature it haunts + 1d4.
Perception Filter. The Gold Spirit is only visible to the creature it haunts.
Mock. Creatures haunted by the Gold Spirit are viciously mocked for hording their precious gold. The creature must make a DC 10 Charisma saving throw, having disadvantage on all charisma checks on a failed save
Belittle. The Gold Spirit dismisses attempts to attack other creatures from the creature it haunts. The creature must make a DC 10 Wisdom saving throw, having disadvantage on its next attack on a failure.
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Description
The Gold Spirit is a ghost like creature that haunts creatures that horde gold for no purpose. Although mostly ignored or swatted away by dragons hording gold, the gold spirit will stick to adventuring parties and abuse the gold hoarder until they either remove the spirit or make good use of the gold.
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