Perks are now a team buff. When anyone in the lobby uses a perk (Upgrade item — Gambler's Confidence, Insurance, Stakeholder, Bonus Draw), the exact same upgrade is granted to every player in the lobby, not just the person who used it.
The host owns the upgrade table. This mod hooks UpgradeManager.ChangeUpgradeData and, right after the original user gets their perk, replays the same change for every other synced player. Because it re-uses the game's own upgrade call, the special Insurance stacking math stays correct and the upgrade HUD updates for everyone through the game's existing network messages — no custom netcode.
BepInEx 5.4.x.
1.0.0 — Initial release. Perks apply to the whole lobby.