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Depends on where you live, but in the US I think there will be a sharp divide between two general groups: a minority who put some thought into what they do, and the vast meme-ified masses who accept whatever is laid out for them.

People do solicit donations, as on just about every public forum. I really wouldn’t call it a problem on lemmy at this point, but a rule against it except in communities where it’s encouraged wouldn’t be a terrible idea. Somebody who is interested in doing it could start a Please Help community specifically for these requests, requiring some form of verification. Seems like running it could turn into a lot of work tho.

Mutual aid is a common term for people in a group helping each other. It doesn’t imply reciprocal transactions. But by all means, let’s ignore the topic and pick apart the exact wording.

The spell system is wack, which opens up all sorts of plot holes. Want Harry’s invisibility cloak? Accio invisibility cloak! Boom, Harry’s visible and you’ve got his cloak. I doubt that Rowling ever played D&D.