Issue Description:
When a Sim in the household dies of old age (natural death) and is set to become a non-playable ghost, the funds in their personal Investment Account are not transferred to the household funds. The money is effectively lost. This occurs despite the household being the intended beneficiary of the deceased Sim's assets.
Expected Behavior:
According to the Royalty & Legacy pack's intended mechanics, the Investment Account is an asset that functions similarly to a bank account or brokerage, accruing value over time for the Sim who owns it. Upon the death of that Sim, the funds should logically be transferred to the household's general funds (since the household is the heir/beneficiary). Alternatively, if the Sim is made a non-playable ghost but is still technically a "household member," the account might remain tied to the ghost, but this is not the case, as the funds are lost.
Steps to Reproduce:
- Have a Sim (Sim A) in a household purchase and maintain an Investment Account from the Royalty & Legacy pack, allowing it to accumulate funds.
- Have Sim A die from old age.
- When prompted, choose to set Sim A as a non-playable ghost (i.e., release them to the netherworld or make them an NPC ghost, removing them from the active household).
- Check the household funds.
- Attempt to access Sim A's Investment Account funds via any remaining head-of-household Sim or via the household management screen.
Actual Result:
- The Investment Account funds are not added to the household's general funds.
- The funds are not accessible by any other means through normal gameplay.
- The money disappears.
Additional Notes:
- The Investment Account is likely an object or a Sim-specific data structure tied to an individual Sim, similar to how personal inventories, funds, or certain career rewards (like a vault or safe) are attached to a Sim instance rather than the household.
- This mimics a known inheritance loophole issue in The Sims 4, where a Sim's personal inventory or personal funds are not automatically transferred upon death. The Investment Account appears to function like a personal "wallet" or "vault" that is not automatically inherited.
- If the ghost is revived (e.g., via Ambrosia, Book of Life, etc.) and re-added to the household, the Investment Account likely becomes accessible again because the Sim instance is restored.
- This issue is distinct from a simple death where the Sim's entire household net worth is recalculated. The Investment Account is a separate, likely mis-categorized, asset class.
- It is unclear if this issue occurs for all death types or specifically old age, but the report is filed for old age.
Impact:
High. This is an economic progression blocker within the Royalty & Legacy pack itself. It actively punishes legacy gameplay (the core of the pack) by making investment accounts a "use it or lose it" asset. Players who invest heavily in a Sim who then dies will see those Simoleons vanish from their household, which is both frustrating and contrary to the intended "build wealth across generations" theme of the pack. The only safe way to use the account is to cash it out completely before the Sim dies (defeating the purpose of a long-term investment) or never let the owning Sim die (by making them immortal).
