Double Indemnity

This card starts in your Command Zone.
If you start the game with this card in your
Command Zone, you start the game with 10 less life.
As long as this card is in your Command Zone,
Aventurine, Life's Gambler and Dr. Veritas Ratio
both can be your commander.

"Seems like I'll need to get you up to speed... if our cooperation were to remain amicable..."
-Aventurine to Ratio