Hmm. How would you manage really large or really small sums of money?
- In Wanderhome, small things are basically free of charge and everything with significant value is traded as barter. I guess there aren’t really extremes of wealth and poverty in that world.
- In the real world, some rigid costs of just pennies can still pinch you (like payment on sites like Patreon), while on the other hand the super-rich have such mindbogglingly vast wealth that they are literally not able to spend it all. How many houses and yachts can a person buy? Some of them even have yachts-within-yachts. At that point they usually set up some charity foundation and make themselves look generous, all the while continuing to expand their wealth to even more useless extremes.
Obviously, we don’t want our RPG systems to be as complex as the real world, but do you still want some of that grimdark edgy dystopian mood to it? It seems like what you’ve got here feels a lot more like an egalitarian society. The amount of gold a rich person could carry around is only nine times more valuable than the amount of copper a poor person could carry. Even if they loaded up a carriage with their wealth, the difference would be nothing like we have in the real world.
- What if the rich used a different set of bank tokens (“premium”, “platinum”, etc.) to represent portions of vast sums of wealth stored in their vault? These could function in the same way as your COIN system, but on a much more vast scale.
- What if there were no banks, but people stored their money in magic item investments. Kind of like people buy gold today — the evil-rich might buy magic scrolls worth several bags of gold and flame swords worth many healing scrolls, not to use them but just to hoard their value. They might store them inside vaults in their home, or hidden away in dungeons, guarded by magic traps and stuff, and they might hire adventurers to steal from their peers on some fake moral pretext:
“Hello. My name is Count Vampula. I want to hire you to steal the Ring of Eternal Bliss from my friend/enemy Duke Ravenguard because he is an evil vampire who is using it to lure people to their doom in his mansion. If you do this, I will pay you 3 bags of gold and give 3 more to the orphanage near my castle, just to prove to you my good intentions.” (Wink wink.)