Economics in D&D

[Oslecamo]

If that was the case then the D&D civilization would be overruned all kinds of monsters and would inevitably lose to creeps with our without the pcs. Magic, be it arcane or divine, is a great addition to the society - a single spell can mend the damage that makind (in our reality) needs years to repair.

Well, and the D&D civilization is indeed overrun by all kinds of monsters. You step out of a city and you risk bein attacked by ogres/ghouls/whatever. good monsters and asdventurers make their best to protect civilization, but it's an harsh life anyway

How many ruins of ancient empire and abandoned dungeons are out there again after all?

Magic can solve troubles, but it isn't cheap, because only casters can create it, and mr wizard/cleric aren't surely gonna help Joe Commoner for free.

After all, even today, we have plenty of people dying of problems with easy solutions because they can't afford to pay the solutions.