Mu had a couple comments about gold hoarding. one of the basic ones was a form of income tax, where the more stuff you have, the more you pay. People below a certain level aren't taxed, but as you get higher, so do the taxes. This would even include items you hoarded, so you would eventually have to sell them, or keep on adventuring.
Both of these take gold out of the economy, and make it available to people who are actually playing the game.
Another option would be that higher-level spells require material components that are used up when casting. This keeps high level wizards from blasting a tribe of kobolds with a Meteor spell, because the few dozen gold from the kobold leavings does not come close to the hundreds of gold they spent on the components.
A third would be looking at the different critters, and seeing which ones actually would have gold on their person, vs those that you would have to bring parts of them back in order to get a reward. A tribe of ogres would be a tough challenge, but they might not have much gold. So a town would set up a reward system, where if you kill XX number of Ogres, you get paid YYY gold per, but only up to that limit, and only for a certain period of time.
The fourth thing is that if you beat up an opponent wearing armor, chances are that armor is pretty beat up as well. You are not going to get full price for it, you are not even going to get partial price for it, you are not even going to wear it as it has to be repaired before you can do anything with it.
The final thing would be to have item decay. The sword cannot be sharpened infinitely, it eventually becomes a wire. The shield eventually has to be reforged, the bow will develop cracks in it, the spellbooks will start to wear out (especially in field conditions), etc. By making the player have to replace gear every so often, they can keep the money supply limited.
Or skip my interpretations and read it straight from the source:
http://mu.ranter.net/theory/economy.html
restricting how much in-game currency can be held, useful ?
Moderator: Thanas