Death and Resurrection
Life is commonly difficult, especially for those who choose a life of hardship and adventurous excitement. The cycle of life is never ending and continues its birth, life, death cycle for everyone. With divine aid and assistance, however, at times it can extend this cycle greatly, even halting it for a time. Death is different among nearly all game settings. Please read this with the understanding that it may not fit your particular game setting and style, but is an alternative.
What if the sources of precious metal in the realm all failed, so that the only sources for gold and other precious metal were hostile foreign lands? Gold coinage might become increasingly rare, resulting in hoarding. Player characters that appear with masses of treasure might be suspected of being in the pay of foreign powers.