As the game stands, you cannot safely use platinum to buy or sell to a stranger. They can just jump you and take it anywhere. So it is a barter economy. That isn't even fun, let alone not classic.
The least safe spot in the game is your starting town. Once people are higher level, the least safe spot will be the area around the banks. You might think you're hardcore now when it means you shrug off your 10 silver loss and keep truckin, but wait til you get set back 2 hours of xp and all your plat right in front of your GM or banker.
Adding greater degrees of arbitrary difficulty does not make the game better.
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