I had been playing for 2-3 years when I was getting a component identified. Permanence primary.
Someone else on my team happened to be hanging around the guild and asked if I knew I had to give it to the team.
"I didn't know that."
A big argument ensues between the team leaders and my friend who recruited me onto the team. I think I had only been on the team for an event or two. I said I found the stick before joining the team. They didn't believe me. They say turn it in or you're off the team. My friend says, "Oh we'll walk with a permanence primary."
Things were getting serious. The whole time they're arguing, I'm silent, thinking to myself why didn't I plan for greed level when I designed my character? I don't remember the exact details but I think I decided arguing about treasure was not fun enough. I told them that I didn't know why they were arguing since I didn't care about the primary.
I'd say it changed me IG and OOG. I stayed on the team and my character became a real team player, only embezzling from the team treasury when no one was looking. But OOG, being on the team for a while made me some RL friends. When I came back to Nero after many years abroad, I contacted some people from the old team and they were super cool - come play with us, join our new team. Now I consider those dudes some of my best friends.