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Dungeons and Dragons is a role-playing game that lets you live out such fantasies as:
• Having money
• Making close friends as an adult
• Travelling the world without crippling debt
• Being able to change the world
• Getting better at something with practice
• Getting 8 hours of sleep each night
in reply to Dgar

Players looking for a more grounded experience can play an elf, who instead get only about 4ish hours of something loosely resembling sleep each night.
in reply to Dgar

my cleric devises a system of Adventurer Loans to help them get started. With luck they will pay off the loan by level 20.
Did I say cleric? Perhaps I mean rogue.