I would treat it as gross pay for the reasons I noted. Beyond that, most NPC wealth is going to be in the form of items, baubles, tools, not monetary wealth.
For example... a village blacksmith might have a little bit of money, but the true prize will be his anvil. That thing weighs a ton...
The buying power of laborers has been traditionally low, unless the laborers banded together. In my previous post, I noted that laborers would be barely subsisting in a d20 economy. I didn't take into account what might happen if the laborers were sharing resources. There are political...
Here's a post I made a few months ago to my gaming group's livejournal. I think it's relevant to this discussion. It was spurred by a discussion on the Gather Information skill. It didn't make sense that it would cost so much just to ask a few questions.
Anyway... here's the post...
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