In my games, both Lone Wolf and otherwise, I mere;y exchange the values of all my currency down to the next level. A silver piece has the same buying power as a gold piece normally would, and getting a gold piece is about as hard to do as a Platinum normally would be. That makes finding gold a thrill (well, more than it was), and puts value back into the inflated D&D economy.
The limit of 50 coins in a pouch this way makes people more likely to carry the valuable coins, and losing a pouch is more detrimental. This causes the players to spend more, and have a little less greed. At least, that's the way my group has worked.
With this shift, spending three gold crowns for a night at an inn and having your backpack eaten through by rats is similar to spending the night at a roach motel... What kind of place would you expect to stay at these days for $30?
Anyway, this has been a good solution for my group. The trick is to make finding gold and treasure rare, or the economy gets artificially inflated. Keeping the players on missions helps, too. Having idle time to think about what new things they want is the road to Monty Haul.
Nerethel
