Lets not forget "who pays the money printers".
How much is worth smelting a stack of gold coins? The value of the coins minus the raw material? And then paying for raw material...
Thus, you can't actually pay people what they're worth if you want to function. You can't even pay them half of what they're worth.
And of course, raw material based jobs tend to kinda shaft miners as they generate less than ⛭ per job.
Perhaps accounting is most difficult part of this, though.
But instead of dwarfbucks...Perhaps things that make them happy and satisfy their needs? i.e. your most productive mason shouldn't suffer under a lack of abstract thinking.
the american economy is based on debt, banks give out loans by magically assigning worth to pieces of cotton paper, people use that money to make stuff which they sell for more money, and give the money back to the bank.
thus with this system, theres always somebody in debt, and its the people in debt that make the world go round.
really, to make a realistic economy in DF would require the overseer to basically be commander data or some other advanced intelligence who is capable of balancing debt across the entire world to ensure it works right, thats why the dwarven economy didnt work, because it was so fragile because it was realistic, and a single mind who is trying to keep track of many things just cant handle it.
IRL we have many minds who are dedicated to making the economy work, as well as the individuals who are careful with how they spend, and thus it is able to function (most of the time)
in DF communism works because everybody works as hard as they can despite everybody getting "paid" "equally" and thus the industry works wonderfully instead of everything going into depression because everybody is too lazy to do their job right because "why should i care if i make 5lbs of plump helmets or 500lbs of plump helmets if im gonna get paid the same?"
i do like the idea of dwarves getting paid for their work, but how do you introduce an economy to a fort?
when a fort is settled everyone is working together to build a place to live, of course they are going to pool all their resources together for their own survival, but what about once everything is set up? how do you divide all the resources fairly? how do you make it so that people get paid for their work? what value does the currency have? WHY does the currency have value?
im just sitting here trying to think about how this could work, because i really want it to, but im absolutely stumped.
it would be really nice if there by chance happened to be somebody with a degree in whatever analyzing economies is called was on these forums, then we could just ask them