Debt Collector

Extort (Whenever you cast a spell, you may pay {w/b}. If you do, each opponent loses 1 life and you gain that much life.)
Whenever Debt Collector's Extort cost is paid, you may pay and additional {3}. If you do, you may tap target creature an opponent controls. That creature's controller discards a card.
Life's only certainties: death and taxes. Pretty spooky, very scary.