Your wagons extended warranty

You magically summon a bailiff to handle the target's wagon insurance. The target must make a wisdom saving throw vs your spell save dc, if they fail they pay 1d12 amount of gold pieces to the bailiff, the gold then magically appears in your pocket. If the target can’t pay, the bailiff takes out a knife and stabs the target dealing 2d8 piercing damage. If they succeed on their saving throw the spell has no effect.

   It doesn’t matter if the target does not own a wagon, if they fail the saving throw the target thinks they own a wagon.

After the spell has taken effect the bailiff disappears without a trace.