Crossroads Deal

Jingling your coins in your hand, you call upon the attention of a lawful otherworldly entity - a powerful devil, renegade angel, or benevolent modron - and request a minor miracle in exchange for payment. As an action, choose one of the effects and present the requested toll.

Relinquish (5 gp). Choose up to three magical or mundane restraints, whether they be locks, manacles, rope bindings, or any similar device or mechanism, within 30 ft. of you. They are immediately unlocked. If this spell attempts to target a creature or object mimicking a true lock or restraint, the spell appears to succeed but has no actual effect.

Point the Way (5 gp). Make a DC 10 Charisma (Persuasion) check. On a success, you instantly know the precise route to travel to a location within 10 miles of yourself. This spell does not mislead you -  it gives a safe and correct path to your intended destination. 

End Illness (5 gp). Choose one creature you can see within 10 ft. of you. All poisons affecting the creature are neutralized, all points of exhaustion vanish, and the creature immediately gains 10 temporary hit points.

Cheat (10 gp). If you are involved in a game pitting yourself against one or more creatures (whether it be a game of chance or skill), you may use this casting to immediately alter the situation to your favor. You automatically win the next round of the game. Any creature suspecting foul play must make a Wisdom (Insight) check against your spell save DC, becoming aware of your deception on a success. 

Second Chance (25 gp). Choose one creature you can see within 30 ft. of you that is Unconscious and making death saving throws. Make a DC 10 Charisma (Persuasion) check. On a success, the target immediately gains 1 + your character level hit points and leaps to its feet. On a failure, the target merely regains 1 hit point.

Talent (50 gp). Choose one skill or musical instrument. You immediately gain proficiency in the chosen skill, unless you are already proficient, and for the duration of this effect you may add double your proficiency bonus to any ability check using the chosen skill or instrument. You cannot benefit from this effect if the ability in question already has a similar effect, such as Expertise. In addition, you have advantage on ability checks using this skill or instrument. These effects last for 8 hours. 

Replicate (100 gp). Choose one spell of 3rd level or lower with a casting time of 1 action. You may replicate the effects of this spell, unless the spell's material components have a cost greater than that of this spell. If you possess the requisite material component for a chosen spell, you may cast it. 

If you attempt to cast this spell without the requisite amount of gold for the effect of your choice, the spell falls on deaf ears and nothing happens - even if you possess the minimum amount of gold for the spell. However, you may choose to take on a debt - when you do so, you may cast this spell using merely the verbal component. However, before the beginning of your next rest, you must present twice the amount of gold normally required for the effect produced, or you gain no benefit from any rest until the gold is presented. For every subsequent casting of the spell while having an outstanding debt, you gain 1 level of exhaustion that can only be removed by paying the amount demanded. Once you pay the requisite amount, you may rest again as normal.