Crippling Debt

You target one living creature to cast this spell upon. The target must make a Charisma saving throw. On a failed save the target becomes in debt by the inverse of what they originally had in money, so if they had 5 gold they would now have -5 gold. Every turn the target then takes they take 1d4 necrotic damage and gain 1d6 gold. This pattern repeats every move in a battle until they either die or get to 0 or more gold

Out Of Battle

When the spell is casted outside of a battle, the repeating move pattern happens every hour rather than turn