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Message: <blockquote data-quote="reanjr" data-source="post: 1850787" data-attributes="member: 20740">I have run the gamut on this issue, from totally ignoring exchange to full-fledged economic models of inflation.In my current campaign I have settled on something that works pretty well for flavor, but doesn't interfere too often.When a stockpile of specie is found from an old ruin, etc. I assume it is an outdated form of specie.  Many NPCs will not accept it and the players have to get it exchanged at a money changer for a fee (2-10% is normal).Just last session, my players (4th-5th level) came into 125,000 gp unexpectedly (to me, at least*).  I gave it to them as a writ of credit.  In their then-current location (and where they headed to and will be for a while) there isn't enough cash to cash out on.  They would have to accept trade goods (at the bank's discretion).  There is also a processing fee if the full amount of the note is not cashed at once.  So, they can either accept the hassle of trade goods (sheep; lots and lots of sheep) or take a 10-20% transaction fee to take it out little by little (one of the players did this with some of his portion so that he'd have money for a sacred drug that is available for cheaper where he is and so that he could make a large donation to his faith; they have traveled to the seat of his faith's power).But for the most part, this change has added a bit of a challenge to the players, added flavor and realism to the campaign, added role-playing opportunities, and delayed the problem of the character's having waaaaaaay too much cash.*I hate the spiked chain.  I hate grappling.  My player with a 4th level character absolutely trounced an 8th level fighter who was more heavily armored.  Something is wrong with that.</blockquote>

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