People keep forgetting how this is going to impact, well, everything. We need denominations or tokens because coins weigh a fuckton. We need NPC burglary targets because it's unrealistic that everyone is going to get robbed blind because they're the only damn target in sight for all those broke-ass burglars. We need, well, a lot of things.
Everything costs so much that if you're walking around with less than 1k you're constantly running to the bank. But money is freaking heavy.
This primarily impacts city-bound characters; rangers or those who can otherwise sustain themselves without money will continue happily bopping along.
Yes, the percentages look absolutely ridiculous but that's not the biggest problem I have with this.
NPC burglary targets aren't going to keep burglars from robbing the PCs who actually have stuff worth stealing. They will just rob the NPCs AND the PCs. It will mean more money for burglars, not less theft of PC things.
The "scorched earth steal everything in sight" poorly played burglars are still going to do exactly that.
The well played "only take things worth taking that are realistic to take" burglars are still going to target the PCs because they are in fact played well and as such will target PCs with things actually worth taking.
I'm not sure how this is tied into the banking code change anyways, unless the idea is that burglars are going to rob NPCs instead of steal the money people are now maybe going to keep in their apartments...(which they won't, they will just take the money too).
I do like the idea of tokens/denominations to reduce weight. I don't think weight of money should be the determining factor. If you WANT to carry 50,000 coins on you and think that's actually a good idea...you should be able to....you shouldn't be limited because your money is heavy....I want to rob the guy who does that anyways.
