[2]
Cultural. Regardless of how much wealth you have, certain services
and privileges are not available unless you prove yourself first. You
cannot simply buy a castle, you must reach name level first. The
greatest smith in the setting will not forge you a sword of heroes
unless you go on a quest or slay a mighty beast, even if you were the
richest man alive, and so on.
[3]
Currency Tiers. For religious, cultural, or game-abstraction reasons,
currency doesn't combine upwards. Paradoxically, you may be able to
exchange gold for silver and silver for bronze, but you could never
get a single shred of silver for all the bronze in the world and so
on. Certain extremely expensive purchases such as buying land from
nobility, buying armies, gaining powerful artifacts and so on the
payments can only be made in incredibly rare and valuable currencies
like platinum or pure gold coins, meaning massive amounts of lesser
wealth won't let you buy the most valuable things- this is intentional to keep out the Nouveau riche.
[4]
Feudal Obligation. Instead of keeping all the money and riches you
find, most are taxed or given to the local lords and leadership, who
will instead pass on some of the wealth and honor to the players. As
time goes on, they may be rewarded with land or extra privileges
instead of keeping the majority of the wealth themselves. In short, you're Skerples.
[5]
Realistic Prices. Common in games with a silver standard; your
characters may be getting wealthy through dungeons, but not obscenely
wealthy. You aren't getting lifetime's of wages every time you go
into a dungeon, but you are making enough fluid cash for easy money
and luxuries.
[6]
Market Fluctuations & Inflation. Once you start selling off
manticore skin, the price goes down as supply goes up. You flooding a
village with gold coins and loot will mean that everything in that
place will go up in price as a result; at least until a local tax
authority or traveling noble finds an issue. While this may annoy
your players, it also evokes a feeling of actual market change from
their actions; maybe don't offload all your wealth on a few dirt farmers next time.
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