Gold takes up too much space in the bank and thus needs some change

[BloodstoneGL]

We need ATM cards....

 

[Stupid Miner]

In my opinion, a better approach would be to reduce the amount of gold in the game. Not only would this save you storage space, but it would also make gold valuable again. Here is how I'd do it...

1. Reduce all gold by 99.9%. So 1,000 gold now is 1 gold piece after the change. Any gold piles below 500 gold disappear;everything else is rounded off to the nearest gold piece.

I actually like this idea.

 

[Der Rock]

Turn in 10 x 1 mill check to get a 9 mill check. How about that?

i would say, you left the school toooooo early

 

[Coppelia]

Sorry, but I don't understand why you keep cumulating money if there's nothing to buy?
If that's just for collection, well any collection has the limits of storage.
If that's "in case of", seriously step back from the game, think a bit. You're applying the IRL rule of "get more money if you can" because IRL you don't have that problem of having more money than what you spend. But in UO that's useless. If you don't spend your money, you don't need extra storage to get more.
That sounds really strange :x

 

[Theo_GL]

Viper09, incase you needed some help analyzing his post...

You are asking for a change that will allow dupers to do, instead of 1 dupe batch of gold, 10 batches in the timeframe of 1.

Is there a limit to duping? How is this an arguement against it? If you can dupe 1 check, you can dupe 10 checks. So what?

Its like saying we shouldn't make expensive sports cars because someone can steal it and make more money than stealling a Ford Focus.

Not having bigger checks only affects honest players that are trying to store their cash.

At one point there was talk of adding new coinage but that seemed to have fallen flat when they figgured out exactly how much code would be requried to deal with 2 currencies. Say 1,000 gp = 1 platinum. Then 1 mil gold would be 1,000 platinum.

The other thing that is silly is the fact that stacks of item cannot be more than 60k. (Smells of the old 65536 limit of 2^16). We should have stacks of everything that would go to 1m. I mean, just to break a 1 mil check you need 17 bank box slots.

All this just reeks of a 10 year old game with the equivalent of a Y2K problem.

The best solution would be for gold to appear as a number on your char paperdoll and you can store an unlimited amount in your bank and it is available across characters. Store it as a number - not as physical checks.
Then there is NOTHING to dupe.

 

[Theo_GL]

In my opinion, a better approach would be to reduce the amount of gold in the game. Not only would this save you storage space, but it would also make gold valuable again. Here is how I'd do it...

1. Reduce all gold by 99.9%. So 1,000 gold now is 1 gold piece after the change. Any gold piles below 500 gold disappear;everything else is rounded off to the nearest gold piece.

The problem with this is the ability to game the system.

If this happens - before the change I load up on as many reagents as possible (value of 3gp or so each before the gold wipe). Then after the wipe the min anything can be worth is 1gp. So at worst my gold went down by 3/1 where yours went down 1,000 to 1. Then I'm freaking LOADED.

The ability to 'store' value in low value items that can't be subdivided is a problem with this system.

 

[hawkeye_pike]

spend it or donate it to the poor.

 

[Sarsmi]

Sorry, but I don't understand why you keep cumulating money if there's nothing to buy?
If that's just for collection, well any collection has the limits of storage.
If that's "in case of", seriously step back from the game, think a bit. You're applying the IRL rule of "get more money if you can" because IRL you don't have that problem of having more money than what you spend. But in UO that's useless. If you don't spend your money, you don't need extra storage to get more.
That sounds really strange :x

I know for me I got into collecting rares, not seriously but as a way to spend my extra cash. However the past few years there are fewer and fewer things I'm interested in buying. I don't like the mass duped rares so those are out, event items typically hold no interest for me, etc. It's really rare that someone is selling something I actually want to buy. And then there is xferring to other shards to buy things and doing all that mess. The last time I made a big purchase was to go to a couple other shards to buy 3 of the 2 piece rubble tapestries. Which are still in that character's bank (whichever one I used, I don't even remember now). I have no idea how much gold I have right now, because there is nothing I want to buy, so there's no point in adding it up.

I guess stuff is less interesting to me now. I'd probably love some new kind of house deco that is only acquirable with gold, since I'm too cheap to just pay gold if I can pay in some other way (like the collections). I'd pay a million per to buy floor tiles for classic homes, for example. Or one use wall dyes, I would pay for those as well. Other nice house addons, etc.

 

[Der Rock]

I would just thinking when reading the thread about storage increase that gold is one of the culprits in making most run out of space in the bank. Whether it's checks or gold piles.

Everyone has gold and it will always go into the bank. So why should gold take up our item space in the bank? It shouldn't.

Either that or vastly increase the amount of gold we can put into a pile and check.

you see that +/- 45% voted for Nothing

half of the stratics poster are simply against anything, even if it would just HELP
(remind me to the brit veterinary pet res)

more storage space in the bank would hurt NOBODY but still 45% voted NO LOL

 

[Fink]

Removing or at least capping LRC would be a nice start...

Reagents were a good gold sink.

I thought of a compromise. I think instead of capping LRC you could make it "Reagent Channeling". At 100% "RC" you only need keep regs in the bank (which are burned when you cast). At 50% RC, you'd have a 50/50 chance to use the regs on your character or in their bankbox. And without RC you'd carry regs as usual.

 

[Coppelia]

Der_Rock :
1) Respect other players.
2) Changes, fixes and additions take developpement time.
3) Players vote "No" when they think the suggestion won't be efficient.
4) Players vote "No" when they think it's a waste of time.

That's enough to understand there's nothing to "LOL" about.

 

[Theo_GL]

Sorry, but I don't understand why you keep cumulating money if there's nothing to buy?
If that's just for collection, well any collection has the limits of storage.
If that's "in case of", seriously step back from the game, think a bit. You're applying the IRL rule of "get more money if you can" because IRL you don't have that problem of having more money than what you spend. But in UO that's useless. If you don't spend your money, you don't need extra storage to get more.
That sounds really strange :x

You accumulate money playing the game. If you don't need anything - you don't spend it. You save it in case there is something you would like to buy in the future.

You sound like you have the typical 'I have $10 in my pocket I must find something to spend it on mentality'. Some people like to save and I enjoy the freedom and flexibility a large bank account affords me - in UO and in RL.

 

[Cloak&Dagger]

The problem with this is the ability to game the system.

If this happens - before the change I load up on as many reagents as possible (value of 3gp or so each before the gold wipe). Then after the wipe the min anything can be worth is 1gp. So at worst my gold went down by 3/1 where yours went down 1,000 to 1. Then I'm freaking LOADED.

The ability to 'store' value in low value items that can't be subdivided is a problem with this system.

That is assuming they would tell us this would happen, considering this change would affect everyone equally, there would be no reason to tell anyone until after the publish. Sure people will complain, but in the end they have the same amount of gold as they did before, just displayed as a smaller amount.

If we truly fail to bring the economy back down to a manageable level, and castles begin selling at 1 billion, the cap can then be raised to this level. Otherwise, it's no different to the multi-instance transactions we do today.

Yes, back to inflation and gold sinks - as I mentioned in my previous post, I really feel that having things that costs 500 mil or more is indicative of a problem with the economy. There's currently very few ways that gold leaves the game system. Being a hoarder and a miser that loots trash at the bank, I have a fair bit of gold...If we haul in the economy well enough, in theory, there wouldn't be a need to have a cap higher than 150 mil.

For a gold sink to be successful, it must be implemented in such a way that players willingly part with their gold. A choice must be given to the player instead of a one-time blanket removal of 90% of the existing gold. The sink must be in the game perpetually so that it doesn't accumulate again after the one-time removal.

I was thinking of gambling here (again, rip off from another game). But there are several good ideas suggested before previously. so I'll leave this to other threads.

If you reasonably cap the amount of gold players can have, then you will reasonably cap inflation and all trade. If you can never have more than 150 mil, there is little reason to try and sell something for more than that, even assuming you have more than one account there is no reason to assume everyone else has more than one account and that means you have to assume very limited amounts of people would be able to buy an item for more than 150mil.

I think with some additional gold sinks, some of Setnaffa's ideas and a cap on the amount of gold you can actually have would greatly improve the economy. Of course I am fully against removing gold as a "physical" item, so I am not sure how to change it so you are limited to x amount of gold, perhaps some not to complicated code where as gold can only be placed in a bank box and then the number of checks you are limited to is x. I am not sure how to limit it exactly, but having limited gold available improves the economy no matter how you look at it.

Limiting gold alone would help the economy a little, but then the people who have over the limit now, or close to the limit (the limit they would set if changed) would already be at max gold and then that would just be traded around endlessly, but if you cap the gold and then take Setnaffa's idea of removing the majority of the gold from the game, the system would work.

 

[Cetric]

I think we need property taxes and income taxes.


Tax people for the size of their house, X amount. The owner incurs the tax, if the owner has no gold, any co-owner would pick up the check, if there is no co-owner, the house goes into a state of decay similiar to an idoc.

Tax people for how much gold they have in their bank and on vendors X amount.




Solid gold sink, if you have to much gold, then start spending it, if you horde a ton of luna houses, you should pay for it, etc etc.

This way all their gold is taxed, and if they horde it in a house, it takes up lock downs and their house gets taxed a little more per lockdown or something to that effect.


Could roll this into some sort of story line with the new king, paying for war, etc etc.

 

[Old Man of UO]

I think we need property taxes and income taxes.


Tax people for the size of their house, X amount.

Tax people for how much gold they have in their back and on vendors X amount.




Solid gold sink, if you have to much gold, then start spending it, if you horde a ton of luna houses, you should pay for it, etc etc.

Umm... this is a game, and it is supposed to be fun. Take away all the fun stuff, make it too much like the things we are trying to escape in real life and it is no longer fun.

No to taxes... it really doesn't solve anything. Having gold sinks is a good idea, but it must be implemented is an interesting and game/player useful way.

 

[Cloak&Dagger]

Sorry, but I don't understand why you keep cumulating money if there's nothing to buy?
If that's just for collection, well any collection has the limits of storage.
If that's "in case of", seriously step back from the game, think a bit. You're applying the IRL rule of "get more money if you can" because IRL you don't have that problem of having more money than what you spend. But in UO that's useless. If you don't spend your money, you don't need extra storage to get more.
That sounds really strange :x

There are items that cost exponential amounts of gold in this game, some items have sold for far more than I would be willing to pay for. So maybe there are several items that cost serious amounts of gold, you have to save up for each item and also search for someone who would be willing to sell you the item, in this event you save up enough for item x but it takes you a long while to find someone who has it and is willing to sell it, all the while you are saving up for item y as well and run into a wall where you have more gold than you are able. My example is not perfect, but perhaps the number of items you are saving for is 10, you can see that gold starts to take up a lot of room even when there are things you want, you are just waiting for a time you are able to get them.

you see that +/- 45% voted for Nothing

half of the stratics poster are simply against anything, even if it would just HELP
(remind me to the brit veterinary pet res)

more storage space in the bank would hurt NOBODY but still 45% voted NO LOL

Not that I voted no, but it could hurt EVERYONE, increasing the amount of gold people can have is like taking the limiter off of inflation.

Just because some people such as yourself have tunnel vision and can only see things as how they could benefit you, thus they must benefit everyone right?

I am not for or against this, I think Combining Setnaffa's and Harlequin's ideas would fix both problems tho.

 

[Der Rock]

Der_Rock :
1) Respect other players.
2) Changes, fixes and additions take developpement time.
3) Players vote "No" when they think the suggestion won't be efficient.
4) Players vote "No" when they think it's a waste of time.

That's enough to understand there's nothing to "LOL" about.

making 5/10/50 m gold checks or 100/500k gold stacks takes nothing then a finger tip for the devs, so pls dont come here and say it would take a huge amount of dev time

(the poll is about to much space for gold in the bank box, and it derails to another havenot:
"reduce gold in game because i cant afford a 200m worth piece")

 

[Cloak&Dagger]

Reagents were a good gold sink.

I thought of a compromise. I think instead of capping LRC you could make it "Reagent Channeling". At 100% "RC" you only need keep regs in the bank (which are burned when you cast). At 50% RC, you'd have a 50/50 chance to use the regs on your character or in their bankbox. And without RC you'd carry regs as usual.

This is not a bad idea, I am not fond of carrying regs, but having them in the bank is fine with me

 

[Cloak&Dagger]

making 5/10/50 m gold checks or 100/500k gold stacks takes nothing then a finger tip for the devs, so pls dont come here and say it would take a huge amount of dev time

(the poll is about to much space for gold in the bank box, and it derails to another havenot:
"reduce gold in game because i cant afford a 200m worth piece")

What? Charging to convert checks into a larger amount would be a solid gold sink, that is what they told you. On the other hand, if you reduce the amount of gold in game, the item is still worth the same amount. if you take all the gold, and half it. 100m is now 200m, so a 200m item is worth 100m and the price has not changed at all, correction, the VALUE has not changed at all.

Edit: I think Coppelia's post in another thread (I think it was Coppelia) says it all, You only understand what you want.

 

[Harlequin]

Reagents were a good gold sink.

I thought of a compromise. I think instead of capping LRC you could make it "Reagent Channeling". At 100% "RC" you only need keep regs in the bank (which are burned when you cast). At 50% RC, you'd have a 50/50 chance to use the regs on your character or in their bankbox. And without RC you'd carry regs as usual.

Oh, that reminds me of an old idea - magic component pouch. Works like arcane clothing, but instead of removing charges from arcane gems, it removes gold. Can have it remove gold automatically from bank or requires charging like bags of sending.

 

[Setnaffa]

The problem with this is the ability to game the system.

If this happens - before the change I load up on as many reagents as possible (value of 3gp or so each before the gold wipe). Then after the wipe the min anything can be worth is 1gp. So at worst my gold went down by 3/1 where yours went down 1,000 to 1. Then I'm freaking LOADED.

The ability to 'store' value in low value items that can't be subdivided is a problem with this system.

I see your point.

I'm just putting my idea out there. There are obviously holes in it and I highly doubt EA would ever do such a thing.

I guess one way to resolve this particular option would be to have the NPC's stop buying anything with a value of 1 gp after the change or from buying any resources at all. Another more difficult method would be to differentiate "old" resources from "new" ones. The NPC's would only buy new ones that have been spawned and gathered after the change. This would be alot trickier to code (i.e. how do you keep old and new resources from mixing?), so I don't think I'd take that approach.

 

[Ender]

..........No.

 

[MalagAste]

First off... I don't EVER want to see gold reduced in game... I have a hard enough time keeping some. So if you are wanting to get rid of some to free up space then by all means I'll take it... I'm sure I can find space for it... not ever a problem there...

Secondly... NO WAY I EVER want to see gold removed from game all together... without gold ingame how could we ever do cool things like this?

How could you possibly have a treasure room without gold coins??? Come on people seriously... If you have that much gold that it's really that much of a problem for you to store... I'm sure you could find at least 300 people willing to take that excess gold off your hands.

And if your just into hording gold... then my suggestion to you is... get a second account place yourself an 18x18... and start sticking all that excess gold in there. (please tell me where that is though so that when you forget to update that CC I can be there when your house falls!) Since I think if you can't spend all your gold ingame then obviously you don't play enough to really need it anyway.

 

[Theo_GL]

Since I think if you can't spend all your gold ingame then obviously you don't play enough to really need it anyway.

Thats the dumbest thing I've heard all day.

Do you do that in RL too? Get your paycheck and spend every penny? If you are doing it 'right' you are making more money the more you play the game. So the more you play - the more you accumulate. Unless you really suck at PvP and die all day long.... then I guess you do lose money while you play.

 

[Cloak&Dagger]

First off... I don't EVER want to see gold reduced in game... I have a hard enough time keeping some.

How does that sentence make sense? I will say it again, If you reduce all the gold in the game then you still have the same amount you started with, it just looks like less.

Do people not understand Value? When you remove 50% of everyone's gold, and all the gold in game, the Value of gold goes up, now you have the same Value worth of gold as you did before they removed the gold.

I agree with you about not removing gold as a "physical" item from the game, but still does not change that if you remove a portion of gold from the game the value remains the same, so....you would not have a hard enough time keeping some, as you would have the same amount. -.-

 

[Theo_GL]

How does that sentence make sense? I will say it again, If you reduce all the gold in the game then you still have the same amount you started with, it just looks like less.

Do people not understand Value? When you remove 50% of everyone's gold, and all the gold in game, the Value of gold goes up, now you have the same Value worth of gold as you did before they removed the gold.

I agree with you about not removing gold as a "physical" item from the game, but still does not change that if you remove a portion of gold from the game the value remains the same, so....you would not have a hard enough time keeping some, as you would have the same amount. -.-

You are correct - it is all relative. Its funny how people don't understand currency and value. The problem as I stated above is that those that have invested in low value items will profit because there is a 'floor' for the price of anything - 1 gp.

The better solution is to add a new currency with a ratio of 1 to 1,000 and people can convert. This would make things more reasonably priced in terms of numbers and not such a burden to keep track of the mountains of gold.

Ever since I started this game 7 years ago I was floored at how much gold was given out per kill. I mean 700 gold for killing a monster for 10 seconds? In the old D&D days you'd kill a few orcs and get like 5gp.

I just hit fan dancers for about 20 min and cleared 60k in gold. *drags huge sack of coins to bank*

 

[Coppelia]

You accumulate money playing the game. If you don't need anything - you don't spend it. You save it in case there is something you would like to buy in the future.

You sound like you have the typical 'I have $10 in my pocket I must find something to spend it on mentality'. Some people like to save and I enjoy the freedom and flexibility a large bank account affords me - in UO and in RL.

Not at all. In a game, I earn money normally and if I need something specific, I will make an effort to earn more to reach that thing. You sound like you go hardcore merchanting to find yourself with an amount of money you have no intention to spend.
Don't make me believe you're saving in case of, there will never be a case of and you know it. The extreme of that kind of behavior is dying in a humble house after a lifetime of restriction and an undecent amount of money on bank account. In case of.

There are items that cost exponential amounts of gold in this game, some items have sold for far more than I would be willing to pay for. So maybe there are several items that cost serious amounts of gold, you have to save up for each item and also search for someone who would be willing to sell you the item, in this event you save up enough for item x but it takes you a long while to find someone who has it and is willing to sell it, all the while you are saving up for item y as well and run into a wall where you have more gold than you are able. My example is not perfect, but perhaps the number of items you are saving for is 10, you can see that gold starts to take up a lot of room even when there are things you want, you are just waiting for a time you are able to get them.

I understand that. I assume you pay by transfering a house full of checks or something like that. But then, ok it's justified for you and now you have that special thing, you're back with normal amounts of money. But what will the other guy do with all that money?
Maybe at a point someone will sell it for RL cash, if it sells. But seriously, what's the use of having more and more money if you don't spend it? It becomes even less worthful. You can add more room for money, the only result will be : "Ah no, I don't sell for gold it's worthless, I only trade".

There's two things to do : revert pub26 gold coins drop increase and have consumable you can only buy at NPC. For the consumable, of course remove LRC. But you can also add some kind of power stones that you activate to boost your damage. That's a gold sink that targets exactly the good player : the hunter. Because if you add nice house decoration items to buy for gold coins, those who earn a lot of money don't care, and those who care aren't necessarily rich.

But adding room for more gold? What for? inflation? You want to buy your orange petal with a packhorse full of checks?

 

[EnigmaMaitreya]

I think what Coppelia and others are saying and if they are not then I am

Is that what is the intrinsic value of having gold as stacks of Gold or Checks if your not spending it? I just assume it is the Sylas Marner/Midas syndrome were one is happy to look at stacks of gold or more simply put there the intrinsic value is in knowing you have the gold to do what ever you want.

Assume no one played that style and kept oh what maybe 100K in the bank.

Now along comes some one to sell one of the new Mempo's and he put a price tag of 100M on it. *Shrug* well no one has that much so he is going to be waiting a good long time for anyone to get that much ... if ever. If no ones cares to turn on their personal gold faucet to buy it, then the price starts coming down or they just sit on that Mempo until Hades Freezes over.

So perhaps in one sense having large deposits of gold available does in fact contribute to the escalation of prices in the game.

In one sense it is to bad that MMORPG's can not implement a "Velocity of Money" Gold Faucet in their game. The short and simplified version is there is 1000 Gold pieces in the economy and it is expected to be passed hand to hand in transactions. The Velocity refers to how many times that 1000Gps is turned over. *Shrug* It is a means to control the total amount of currency in an environment without harming the Economy (as in controlling the Economy ).

 

[Theo_GL]

I think what Coppelia and others are saying and if they are not then I am

Is that what is the intrinsic value of having gold as stacks of Gold or Checks if your not spending it? I just assume it is the Sylas Marner/Midas syndrome were one is happy to look at stacks of gold or more simply put there the intrinsic value is in knowing you have the gold to do what ever you want.

Ok, lets be clear. I'm not saying everyone should run around and save every penny and deny themselves the items they need to survive. The point is - in UO - you need very little and with IDOC's, constant drops and giveaways, and with nothing decaying - EVERYONE HAS MORE THAN THEY NEED. You quickly reach a point where there is nothing you NEED to spend money on. Can you find ways to 'blow' your money? Sure. So can you in real life. That doesn't mean you should run out and blow every dollar you get so that you don't accidentally accumulate money.

The people who accumulate money are able to earn it faster than they need to spend it. I guess I live that way in game and in real life. I make far more than I need to buy the things I need to survive. And the excess is saved or invested for future expenses.

In regards to the velocity of money - if you ever study economics at all you will cover the formula for velocity of money. As the velocity increases, it pushes inflation up since the same $$ is spent over and over again. The people who hoard but do not spend it actually take money out of the system and keep prices lower than they would normally be. You should thank me for not spending my money. I'm helping you keep prices lower. You are welcome.

Now give me 10 mil checks so I can hoard gold better and continue to help you keep prices low.

 

[EnigmaMaitreya]

...if you ever study economics at all you will cover the formula for velocity of money. As the velocity increases, it pushes inflation up since the same $$ is spent over and over again. The people who hoard but do not spend it actually take money out of the system and keep prices lower than they would normally be. You should thank me for not spending my money. I'm helping you keep prices lower. You are welcome.

Now give me 10 mil checks so I can hoard gold better and continue to help you keep prices low.

I suppose we can be pissy about it, if you ever study economics and understood Velocity of Money (isn't it ironic I did not need to look it up?), you would know that you are confusing expansion with inflation, they are not the same, you would know that by increasing or decreasing the supply of money you speed the Velocity up or down. Thus enabling one to control, more or less, an economy. Thus money setting idle is functionally a waste. But it does give people a .... comfort factor to stuff their money in shoe boxes (the equivalent of idle money) under the bed knowing they have the money to do .... well stuff. Far be it from me to begrudge them their .... happiness.

The point of my even bringing it up was it would be one means to adjust the Gold Faucet of MMORPG's. it doesn't need to be nano meter precision adjustment, it can be .... hand grenade precision to keep things from getting out of hand.

 

[LordNoximos]

HAHAHA GOLD NEEDS CHANGE, FUNNY!

 

[Cloak&Dagger]

I understand that. I assume you pay by transfering a house full of checks or something like that. But then, ok it's justified for you and now you have that special thing, you're back with normal amounts of money. But what will the other guy do with all that money?
Maybe at a point someone will sell it for RL cash, if it sells. But seriously, what's the use of having more and more money if you don't spend it? It becomes even less worthful. You can add more room for money, the only result will be : "Ah no, I don't sell for gold it's worthless, I only trade".

Well, I am advocating removing portions of gold, or in some way helping inflation. I am not really for this Increase in space for gold... But I do understand how it could benefit some, given the situation I already explained.

My main point is, you can not simply say that people have no reason to hoard the gold, you can argue inflation (I have said that combining Harlequin's and Setnaffa's ideas would be the best way to handle this gold problem) but even if you bring inflation down, people will always have more gold than they need. Sure not everyone will be in that position, but some of us have been here for 12 years. After such a long time, they very rarely put out new items that I or others want/need and even if they do they hardly ever cost so much that I have to go out and make gold before getting the item.

I do not have so much gold that I need more space tho. But I have a wife...two friends, a mother and a cousin who all spend my money so I like to call that "balance".

 

[Whinemaker]

Haven't been on Stratics for a few days and don't have time to comb through every single post on this thread so please pardon me if this has already been mentioned... I voted for gold stacking, because I don't like how the trade window always times out on me whenever I try to be overly careful and take my time to verify the grand total of those "stacks" of 1 million cheques the other party offers.

Increasing the amount stackable, depreciating gold or adding a "display total gold" option for the trade window would all work for me.

 

[Cloak&Dagger]

Haven't been on Stratics for a few days and don't have time to comb through every single post on this thread so please pardon me if this has already been mentioned... I voted for gold stacking, because I don't like how the trade window always time out on me whenever I try to be overly careful and take my time to verify the grand total of those "stacks" of 1 million cheques the other party offers.

Increasing the amount stackable, depreciating gold or adding a "display total gold" option for the trade window would all work for me.

Even if any, or all of the other options that have been said in this thread were to go into effect, I think some sort of display in the trade window would be nice.

 

[Viper09]

HAHAHA GOLD NEEDS CHANGE, FUNNY!

Lol, good catch there

 

[Frarc]

If you got too much gold in the bank... give it to me, i'll spend it for you.

 

[Maplestone]

I've never been a fan of checks. Moving around a million gold coins *should* be hard.