Simple, little flair, and a definite "Here's an idea to give to the annoying player who is greedy!" award.
Cheka had a good thought for a plot hook. How about one of the player character's picks the pocket of the owner of this unlucky gem thinking he is himself very lucky to have acquired it.
Or perhaps the players have been hired to frequent the locked stash of a local and grab a few of his belongings, one of which is the gem that they just can not get rid of. This could have not only the original owner after them but the one who hired them could also be after them for' not giving up the whole treasure so to speak.
I was hoping for a tad more from this when I first saw the title, and seeing that I tend to not enjoy most 30 subs I began reading this with trepidation. However, with a few events happening lately this sort of hit home so I read it regardless and find it rather helpful. Someone should have put this up long ago.
I applaud you Cheka for writing this, as only a few of the original hard core Strolenties will appreciate this for what it really is. Kudos.