I think the direction of the campaign in question would also have a lot to do with it. If the situation of the world is going back towards a regular governments etc, gold and gems would be more valuable than if civilization was spiraling downward.
I personally feel civilization would continue to decline. If 75% of the worlds population was killed, most of the people with the technical skills needed to recreate civilization would probably be dead.
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Just because I'm on the side of angels doesn't mean I am one.
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