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[Silverionmox]

The problem is that transactions would need to be done at the bank itself. Otherwise you're just using the pre-coin economy with a banker and a vault somewhere behind the screens. The alternative is to use stone tokens/clay tablets/paper checks that denote the transfer of credit from debtor to beneficiary... which would generate just as much clutter and even more "go to bank" jobs.

The way price formation will work needs to be taken into account to find the appropriate trade token. Revising the stacking rules so that virtual stacks (groups of similar items with different owners, stains, etc.) can be created and formed as necessary by the program will solve most problems I think.

The desired end result is that people carry purses that you can pickpocket or rob, I imagine?

[TolyK]

we need hauling fixed 

[MrWiggles]

we need hauling fixed 

Its not hauling, its not how the dorf carry stuff, its how the game needs to store tiny items.  Thats the issue.

Also, Hauling improvements, better path finding are on the Dev list, though neither is explicitly stated for the Caravan arc short term schedule.

[Karakzon]

could just assign a bag as a dwarfs "wallet" that is owned by the dwarf, this is then the calculated container for the money, and is were the owner tag is on, but the coins dont have the owner tag on, thus: a dorf can have its wealth calculated into his wallet and stack them in their.
and if banks were ever included, hede just open an account. as such, instead of calculating ownership and having stack problems, it calculates hauling jobs to put x number of coin value in a place to the dwarf that owns the wallet or bank account.

so: a dwarf picks up a leather bag that is turned into a "wallet", he has 500 fort credit. and will fill his little bag with the coins up to that amount.
when he buys something, he trades over x amount of the coins dictated by the fort credit amount hes paying from his wallet and from his wallet only, and gets change etc.
so the game calculates the credit and the coins are just a go between. in a barter economy a dorf could essentialy use his appraiser skills to trade items other than coins for other items, so you could have an economy based on socks.
when the dwarf is paid, he will just get a job to put coins in his wallet container.
since this places the ownership tag on the wallet and not the coins, they can float around freely and stack with each other.
think it would work?

p.s. sorry for my spelling, grammer and punctuation, too many blows from the hammerer to the head does that to you.

[Owlbread]

could just assign a bag as a dwarfs "wallet" that is owned by the dwarf, this is then the calculated container for the money, and is were the owner tag is on, but the coins dont have the owner tag on, thus: a dorf can have its wealth calculated into his wallet and stack them in their.
and if banks were ever included, hede just open an account. as such, instead of calculating ownership and having stack problems, it calculates hauling jobs to put x number of coin value in a place to the dwarf that owns the wallet or bank account.

so: a dwarf picks up a leather bag that is turned into a "wallet", he has 500 fort credit. and will fill his little bag with the coins up to that amount.
when he buys something, he trades over x amount of the coins dictated by the fort credit amount hes paying from his wallet and from his wallet only, and gets change etc.
so the game calculates the credit and the coins are just a go between. in a barter economy a dorf could essentialy use his appraiser skills to trade items other than coins for other items, so you could have an economy based on socks.
when the dwarf is paid, he will just get a job to put coins in his wallet container.
since this places the ownership tag on the wallet and not the coins, they can float around freely and stack with each other.
think it would work?

p.s. sorry for my spelling, grammer and punctuation, too many blows from the hammerer to the head does that to you.

You could call them coin or money purses.

[irmo]

The problem is that transactions would need to be done at the bank itself. Otherwise you're just using the pre-coin economy with a banker and a vault somewhere behind the screens. The alternative is to use stone tokens/clay tablets/paper checks that denote the transfer of credit from debtor to beneficiary... which would generate just as much clutter and even more "go to bank" jobs.

There's no reason to use any physical currency or token for trade within the fortress. As the old economy system showed, it's possible to abstract that away, and it's also fairly complicated to build a working economy even without the added problem of having to shuffle coins around for every transaction.

[Silverionmox]

The problem is that transactions would need to be done at the bank itself. Otherwise you're just using the pre-coin economy with a banker and a vault somewhere behind the screens. The alternative is to use stone tokens/clay tablets/paper checks that denote the transfer of credit from debtor to beneficiary... which would generate just as much clutter and even more "go to bank" jobs.

There's no reason to use any physical currency or token for trade within the fortress. As the old economy system showed, it's possible to abstract that away, and it's also fairly complicated to build a working economy even without the added problem of having to shuffle coins around for every transaction.

As I said, for story/game purposes it might be a goal to have people carrying around purses with coins or other valuables so the player or other crooks gets the opportunity to pickpocket people.

I do agree though that virtual credit is a better way to go for intra-settlement transactions: it fits the time period/development level (subsistence farming), geography (isolated outposts) and the size of the settlement (everyone knows everyone) better. Coins or other valuables can be reserved for trade with the outside, offical payments, soldier salaries, ransoms, etc.

So most people would rely on their group memberships to acquire their means of living. Even the few valuables that did circulate would be preferred in the form of jewelry: that way you could carry it with you and if you didn't need it, it was still useful.