“ Leader carries gold into battle with him. When he sees a great feet of bravery or valor he rewards them with the gold, or maybe a token worth some prize if they survive.”
“ An alchemist enchanted his equipment to produce even more powerful alchemical compounds, potions and the like. Unfortunately, it is not well-known that he had different sets of equipment for different processes: If the wrong set of gear is used, the result will invariably fail to function. It's not a cursed item, just something that's hard to figure out.”
“ 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.”