Burden of Wealth

You turn a creature’s attachment to money against its mind. Choose one creature you can see within range. The target must make a Wisdom saving throw. It takes psychic damage equal to the Currency Damage of all coins and similar currency it is carrying on its person, including currency stored in any extradimensional space it carries (such as a bag of holding, handy haversack, or portable hole).

Currency Damage is calculated as follows (minimum 1 psychic damage):

• Copper piece: 1 damage each
• Silver piece: 2 damage each
• Electrum piece: 5 damage each
• Gold piece: 10 damage each
• Platinum piece: 25 damage each
• Soul coin: 50 damage each

The target takes the full damage on a failed save, or half as much damage on a successful one. The coins themselves are not destroyed or altered.

At Higher Levels. When you cast this spell using a spell slot of 2nd level or higher, you can target one additional creature for each slot level above 1st. Each target must be within 30 feet of at least one other target. The Currency Damage dealt to each target is multiplied by the level of the spell slot used.

If two or more creatures targeted by this spell are within 10 feet of each other, the damage each of those clustered targets takes is also multiplied by the number of targeted creatures within 10 feet of it (including itself).