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[Liamar]

I would love to see currency playing a more important role in DF.
Coins are light, easy to transport and you can trade it for everything with everyone.
Not everybody will want to buy your dwarven-made stone rings, but everybody will desire this coins you have - from a merchants perspective traded goods should have  a penalty compared to coins.

Currency system could either be more complex, every population entity having their own mints and own coins that have their own values, or be plain and simple one universal currency.
The first option sounds more DF like. It would be cool if the player could mint his own coins, which would have their value dependant on how succesfull his fortress is, making it so that initially the only real way of getting coins is throught selling stuff to merchants for them.

Why coins have a penalty now? I'd wager because the 'AI' isn't programmed to use it themselves.

[GreatWyrmGold]

Why would goods be undervalued, period? Stone rings are equally acceptable everywhere, barring extremes of supply or demand, but coins are only worth anything in certain areas.
Coins are undervalued due to lack of quality.

[EnigmaticHat]

For coins to be really useful, you'd need caravans to say something like "there's no demand for these crafts, I won't be able to make a profit" or "this fish will be rotten by the time I reach the city".  Right now gems are a better currency than coins, because they're lighter for their worth and coins are (rightly) not accepted everywhere.  The main advantage of currency over bartered goods is its value is more stable; if you barter, the goods you trade for might be worth much less to the next person you attempt to trade with.  For example, someone who's only concerned with necessities wouldn't want a gem, a spearman wouldn't trade for a mace, but they'd all know they could trade coins in the future.  Right now that sort of differing demand isn't simulated, so coins aren't useful.