What does your campaign realm do well, and what does it do poorly? Make your world come alive by giving it strong points and weaknesses.

Banking

• Good: Citizens can go to a moneylender and deposit money in an account as well as borrow money (without interest*). They cater to all social classes but the very lowest. Money and records are protected in a strong underground vault, well-defended by magic and powerful NPCs.
• Bad: Well-known, high-status people can go to a moneylender to borrow money with interest. You must keep your money safe in your own vault.

* Prior to modern monetary policy, deflation was common, meaning that if you put your money under your mattress, it actually bought more bread later instead of less. Therefore, there was no reason to offer interest on savings, and interest on loans was very low or nonexistent.

Waste

• Good: The city split off the river to create two smaller, parallel sewer rivers that were then covered. One goes under rich houses to collect their waste while the other goes thru the middle-class neighborhood, where waste from these and more-distant lower-class houses is brought to to be dumped. The sewer rivers go to the sea, emptying out away from the harbor and favored beaches.
• Alternate Good: Waste is covered with litter (sawdust, leaves, straw, and ashes) and collected by workers to be composted in trenches for months before being transferred to the country as fertilizer.
• Bad: Waste is dumped into open cess pools that are periodically emptied by transferring the waste to wagons that take it to the country for use as fertilizer. But some waste gets dumped into empty lots, the river, and even the street.

Justice

• Good: The sheriff captures suspects and brings them before a judge, who decides if there is good reason to hold them. If so, the suspect is put in a cell, and a jury is convened to investigate the crime with help from the suspect’s advocates (relatives, friends, and perhaps hired attorney) and the king’s advocate (prosecutor). The jury hands down a unanimous verdict, and the judge releases the suspect or sentences them to the stocks or hanging (imprisonment was considered cruel and expensive).
• Bad: The sheriff captures suspects and puts them in a cell. The suspect’s relatives plead his or her case before the local noble against the king’s advocate (prosecutor). The noble passes judgment and releases the suspect or sentences them to flogging, hanging, or burning at the stake.

Education

• Good: Schools educate children from age 8 to 16 in reading and writing, mathematics, basic law, literature, and the natural world. Wealthy families have their children tutored and then send them to an academy to become a cleric, wizard, or knight.
• Bad: Parents do minimal education of their children and then, when they are between 8 and 12, send them to another family to work as servants or learn a trade. Wealthy families have their children tutored in reading and writing, literature, and the natural world and then send them to another family to be trained as a warrior or wizard or to a college to become a cleric or wizard.