One thing holds consistent across the numerous worlds of science fiction and fantasy: everyone speaks the same language. Whether it's Lojban, English, Common, or the High Tongue of the Autumn Empire; there's one language that everyone knows, unless plot demands otherwise.
Do not gather and heap up and store for yourselves treasures on earth, where moth and rust and worm consume and destroy, and where thieves break through and steal. Matthew 6:19 KJV
Pirates' many bejeweled rings and piercings actually had a practical purpose - when the pirate or sailor died, the rings could be taken off as payment for a proper burial, saving him from a watery grave. This could be tied into regional culture, or made into a quest (The Pirate's Lost Rings, etc.). Also gives treasure-seeking divers another thing to look for besides crusty old chests.