“ 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.”
“ Elves are not actually aloof. They are actually extremely family-based and insular, and often intermarry inside their families, making them uncomfortable around those not of their family. Therefore, they shield themselves behind pretended aloofness and coldness until they are comfortable in others' company.”