Coin and the bank
Coin in your purse can be stolen by pickpockets. The money-changer keeps it safe: /deposit, /withdraw, and /transfer "<name>" <amount> at his counter (1% fee). Wages come every hour you play, from your faction's coffers or the Crown for those on duty; the parish gives alms to the very poor. The Crown takes 2% of every sale to a shop, and a town's Bailiff may add up to 5% more. /pay <player> <amount> hands coin over face to face.