I think it’s safe to say that most books have protagonists that come from one of two categories: the struggling poor or the comfortably rich. It’s uncommon to see a character that’s middle of the road, or even one step above being poor. The amount of money a person has influences their outlook on life and their actions. Lack of money usually drives a character to prove themselves, whereas most character that don’t have to worry about money often have to overcome some other aspect of their life, such as accomplishments, love, a sense of worth, etc.
Recently I’ve been reading Patrick Rothfuss’s The Name of the Wind. It’s the first book in a fantasy trilogy, and while it is well-written, it’s also reminded me of the fantasy books I used to read in my teens and early twenties. Just like Rothfuss's book, many of the characters in the fantasy books I’ve read over the years have tended to be poor or penniless, which is a stark contrast to the paranormal romances I also like to read, which usually feature characters with lots of money.
In a way this makes sense since most fantasy books, especially epic series fantasy, tend to be set in a low technology (think no electricity) world, whereas most paranormal romances are set in the modern day. There were more ways around not having money in the pre-technology days, but it is much harder to do in modern times where a person needs an identification card, an address, and references to even apply for a job. The best way to avoid all of this in modern day settings is to give the characters money and have them face other problems.
I’ve created characters from all classes of society, but when you come from a poor background, the passages that commiserate with my experiences are the ones that stand out. There have been two such passages from The Name of the Wind and I’ll close by sharing one below. This passage exhibits some of the same feelings I felt upon recently finding a full time job again; I too was one small catastrophe away from ruin.
If you have never been desperately poor, I doubt you can understand the relief I felt. For months I’d been waiting for the other shoe to drop, knowing that any small catastrophe could ruin me. But now I no longer had to live every day worrying about my next term’s tuition or the interest on Devi’s loan. I was no longer in danger of being forced out of the University. (p. 444)