“ Diseased people, (leprosy or any other such fear inducing disease) when traveling, will often times wear a cloak that entirely covers their body and ring a bell as they travel, used as a warning for any others to stay away. Could be used for a disguise or safe passage. ... you meet strangely cloaked people, sometimes ringing a bell. 'Please give us something to eat, mighty heroes!' This is time to show how good they are.”
“ The PC's end up in a strange world where the very rocks are made of gold and jewels.As such gold and jewels is worth very little, but the iron in their swords and belt buckles is suddenly worth a LOT.”
“ A possible answer to what happens to spells when a mage dies. If the spell is strong enough, say and enchantment or other permenant effect, part of the mages spirit may become lodged in the magic. It may be a way for items to gain some kind of intelligence, but a mage who has knowledge of this fact would be very hesitant about enchanting anyone or thing. He might have other plans for his afterlife than counting the change in your bag of holding.
Preists, I think, would have this sort of thing covered.”