Market Volatility
OSRS’s player-driven economy means item prices fluctuate regularly:

Profitable loot or RuneScape gold crafted items might suddenly drop in value.

Supply and demand changes can reduce the method’s profitability.

Investing heavily in materials for a method that becomes less profitable can lead to losses.

High Stakes Activities
Some of the most lucrative methods, such as bossing or high-level PvM, carry inherent risks:

Losing expensive gear on death.

Using costly consumables that may not yield expected returns.

Entering competitive markets or activities that require fast adaptation.

All these factors contribute to the financial risk involved.

How Financial Risk Affects Different Player Types
New Players
Beginners usually have limited gold reserves, making financial risk especially impactful:

Losing a few thousand gold early on can hinder progression.

Lack of knowledge increases chances of cheap RuneScape gold costly mistakes.

Limited gear options mean they can’t safely attempt high-risk methods.