You're broke and living on the streets. To make ends meet, you have no choice but to join three lousy gangs and scrape by on their handouts.
You stayed long enough to see two of them disband, and the last one is on its way out, too.
You're about to lose your last handout when the heavens send you a System.
The System seems even more lost than you are. After binding itself to you, it takes a while to figure out its mission.
"Uh... Your task is to spend money. Your starting amount is ten thousand dollars. Spend it all in one day."
The System's voice is terrifying, but to your ears, it's like angels singing.
Spend it! You kick open the gang's door and deliver an impassioned victory speech: From today on, I'm funding my way to the top of this criminal organization!
System: ...Wait, that's not what I meant by spending money.
Batman has been gone for a long time.
All kinds of forces are stirring again, but a strange and wealthy organization has suddenly appeared.
Its boss quickly takes over the underground market, pushing old-timers Falcone and Maroni aside in the blink of an eye and reorganizing the market according to his own rules.
He also bribes the police department like crazy, massively upgrades its equipment, and uses the GCPD as his shield as he builds his empire.
He even pours money into Arkham Asylum to upgrade its facilities. The public suspects he knows he'll end up there sooner or later and is fixing up his future home.
Dick and the others had noticed the organization's movements long ago, but the last straw was you swiping Bruce's black card.
*Probably going to be in third person. I'll revise the blurb later.
Also known as: Gotham Needs Batman, and It Needs My Money, Batman Says This Money Was Well Spent, My System's Last Name Is Wayne, Under the Black Card, Can You Protect Gotham by Spending Money?
Note added 2026.7.5
Theme: Put your money where it matters most.