[Animayhem]

Meeting at inns and taverns classic for adventurers, but not all are adventurers and Thay in general is a world of kill and be killed mentality, strong survive though in recent in game events characters have gotten together.
One side to the shortage of coin I think by the merchants is lack of quality gear for the coin and maybe level restrictions on items. These are sort of a catch 22. They can help a player survive to reach a higher level but they can not use it until they are the level. Merchants usually get decent gear that ironically they buy from adventurers.
This is not a criticism on the world mechanics just an observation. :D