Let's make up a scenario that uses the rules I just posted about and see what comes of it.
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A party of four 2nd level PCs take on and defeat a group of six Bugbears. The Bugbears have 2+1 HD each. When determining how much blood money to dole out after an encounter, ignore any +s that factor into a monster's HP total. We're just concerned with the number of dice rolled to determine their hits. So all together the six Bugbears would yield the PC party a total of 12 blood chips.
Now it's entirely up to the players to divide these chips amongst themselves. In this case, it would be possible to divide the total equally so that each player would get three blood chips. But let's say in this particular encounter Larry the Magic-user did nothing but cower at a safe distance and let the rest of the party get all hack-and-slashy with the Bugbears. So perhaps he gracefully refuses a share of the blood money -- in which case the other three party members leave the encounter with four blood chips each.
In order to get their characters to the 3rd level of experience, these players need to roll Double Boxcars or roll a sum equal to or higher than the Versus number -- it's 36. At least six d6s are needed to roll that number, and twelve dice would give you a hell of a lot better chance. Realistically, the players should be trying to obtain at least eight or nine blood chips if they expect to advance to the next level. That's 8 or 9 HD worth of monsters, per PC.
If Larry simply doesn't get his hands on the minimum six blood chips needed to hit 3rd level, he can opt to hold onto the few chips he has and cash them in for dice at the end of the next session. Or he can just cash in and roll them all up and have that sum carry over to next time. If he's holding onto his chips, he should make a note on his record sheet and share this info with the DM.
Larry may also be tempted to cash his blood money in for gold chips, which have ten different uses (so far) in-game. It's not possible to convert a gold chip back into three blood chips, but if Larry was feeling vengeful he could cash a gold chip and force another party member to give him one of their blood chips.
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