The Scarlet Jack

Wondrous item, very rare

Blood-red coin stamped with a grinning skull on one side and the name of the coin’s owner on the other.

Possessing the coin grants its owner the following benefit: when reduced to 0 Hit Points but not killed outright, they drop to 1 hit point instead. This ability is only usable once a day.

Cursed. As soon as someone touches the coin, they become cursed by The Scarlet Jack. Any attempts to drop, give away, or otherwise lose the coin will fail, as it always re-appears within the hour.

When the coin is in the owner’s possession, they are visited every night at dusk by The Scarlet Jack, an ethereal red skeleton in a flowing and tattered red robe.

The first night the Jack appears, it demands one gold from the coin owner. On every subsequent night, the Jack demands twice as much gold as the night before. If the coin owner refuses to pay, or does not have enough gold to cover the debt, the Jack attempts to take their soul instead. The curse can be broken with remove curse or by slaying The Scarlet Jack.