I understand the desire for this approach, but the problem is that if you do this then it pretty much excludes the option for using money for interesting endeavors (investing it).
If you have no other use for the money, and you are "investing' it, that means you are basically using money as a player coupon for "give me Plot X that I want to engage with". Why not just give the players those anyway, without connecting it to currency?
We could look to designs like Gloomhaven uses - it has cash the party can use for buying stuff it needs, but it also has Prosperity for the area that player actions impact.
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