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Message: <blockquote data-quote="Drawmack" data-source="post: 375787" data-attributes="member: 4981">IMC the average commoner deals on the barter system. In the larger towns and cities an adventurer can spend their currency and turn their gems into currency but in a small town or village the merchants don't even want to hear about money. They have no where to spend money so it has no value to them as everything works on the barter system and the PHB has tables where things can easily be assigned equivolent values. It's really fun when the PCs come into town and need to trade something the own for lodging and food. I'll tell you though it leads to a well armed society. The fighter trades a short sword and two weeks of training to the local inn keep for three months lodging. The wizard trades some scrolls to the smith for armor repairs, so on and so forth. As far as what you're saying about 1sp per day. I use a slightly inflated pay rate where money is used. I use 1gp/week. This is more then enough for the average peasant. Take into account that this is an average so your fighter buys a suit of mitheral armor and not the smith buys a house for his family.</blockquote>