Plot Armor

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Plot armor is whatever it takes to make a character in a story survive long odds or stupid decisions, because that character is necessary to the story. In a role-playing game, the characters used by players tend to be wearing plot armor because the DM is loathe to kill them off and make it not-fun for players. In time-travel stories, the character might be known to exist at some point in the future, making this person impossible to kill before that event occurs.

Plot armor can take many forms:

• hidden die rolls that "miss"
• surprise reinforcements
• more examples needed

In role-playing games, there can be a mechanism for plot armor, where player characters are the only ones with "fate" or "karma" points that can be spent to offset bad rolls or shrug off injuries, or just waaaay more hit points than anything else around them.