The money in your bank do you consider it useable rigth now or as I call it

[Pierce]

This thread so clearly portraits a scenario of financial crisis and deflationary actions... Lol, if only there was a Central Bank in Mabinogi, and Ersik bank payed an interest rate for the gold we have, and we could use debt... yet, it could create an even worse scenario... the only thing that really messes up this simple economy is NX (as an artificial currency that creates inflation and in some cases dilutes the scarcity of an item); and gold glitch of course, but that is an externality we can't control directly, unlike the other things I mentioned.

[Drizzit]

I have never had more than 5 mil gold in my bank at any given moment, and usually it's far less. I currently have about 2.5 mil, and it's all spendable if there's something I want.

[Aubog007]

Lol, i had over 100m in "ghost money" before i pissed it away on AP pots, and boy did i feel like i did the right thing.

Glad too, never spent a dime on any fashionogi items except for two robes, jester and dyable fomor robe.

And to dexu, i burned a doll once, made me feel good.

[Kingofrunes]

I call it savings money. I like to reach certain milestones. Once I reach that I make a mental note to never drop below that level. That is unless I really want something and I can afford it.

[iloveyou]

All my money is usable baby. I spend it anytime , anywhere.