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Message: <blockquote data-quote="aco175" data-source="post: 1940842" data-attributes="member: 27385">If actual banks existed in the game, they would most likely be something similar to the Savings & Loan, from the movie, It's a Wonderful Life.  Bad things would happen if there was a run on the money from a shortage.  Also, I think banks being started had something to do with the church during the middle ages.  Don't quote me on this, but the Christians had problems with the Bible letting you lend money to others for profit, but the Jews did not.  Maybe you can tie this in with your campaign, where some religions are able to secure and lend money.  They might even be able to protect it better with a golem or two.Do not forget the money changers.  Each nation would want you to use coins from their realm and not from the neighbors, to help from their own money becomming destabilized.  They might charge 5-10% of the total, depending on where it is from.  This also works with old coins from ancient tombs and dungeons.Speaking of old coins from buried tombs, the local lord of the area might also charge a finder's fee of up to 20% the total worth of goods.  All of this stuff might be a pain to some players, but it does add some realism.  As a reward to players, some taxes and levies can start to become waived for certain deeds that they do.  This tends to make them want to do more good deeds.</blockquote>