and new god idea. wait, wait, don't throw your daggers at me! listen what i have to say first, please!
it is well-known fact that IVAN world has very advanced banking system. i mean, you don't have to carry any coins around, and there is no way to steal coins from NPCs. even their dead bodies don't have coins on them. what it means? it means that there is no cash in IVAN world, only bank records! if you need to buy or sell something, you just say: "sim-salabim, transfer N money from account A to account B".
i'm happy with that system, and i see no reason to introduce any kind of coins to the game.
now, The Bank Corporation seems to be at least a semi-god: it is everywhere, and can be accessed via kind of pseudo-pray. right? why don't allow the player to pray to The Bank Corporation to get a loan? this is the only kind of prayer you can do to TBC, but it fits to "Pray" command, i believe.
you pray to TBC, asking for some sum of money, and they may provide it to you. max sum might be like `(your gold + your equipment price) * some value`, or something like that. of course, there is no free lunch, so you have daily payments from now on. and if you miss several daily payments, or don't have the loan sum when it's time to return it, TBC will send bank guards after you. they are like angels for other gods. if you manage to kill them, TBC will wait a little, and send more guards. also, you now have to pay for killed guards and their equipment too.
what do you think about this idea?