[Leliel]

Ah. I see your world applies to the Unknown Armies school of magicians: They look homeless, because frequently they are (ritual behaviors are a bitch when it comes to social lives), but magic don't care about how wealthy you are.

Of course, if this was UA, Kelly and Dace would also be possessed by angry ghosts. That's how lycanthropy is spread there, after all-angry ghost who possessed and animal then possesses a human, and a bit of the animal's nature comes with them.

Yeah, kinda a bad ending there. Angry ghosts in brain are not fun.