I almost always play iksars and i level them in the old world and even travel around a whole lot, and the answer is that it's much easier than youd first expect. First thing is banking: theres 2 tricks to this. First is, just find something from a merchant that you can sell for like 9p and buy for 10p. or 4.6p sell for 4.3p etc. You can use this trick to make the merchant exchange your copper silver and gold for plat. It's really simple and I found this is a good substitute to banking. As far as ACTUAL banking, theres a bank under queynos that you can use as an iksar necro that isnt hard to get into. In this little area you can also buy spells trian and buy basic necessities.
Vendering is a lot easier. Gypsy camps will always sell to you. However, most poison merchants or anything not on a faction will also work. Oasis is a good camp to use nearby to freeport. Also a gypsy camp in lavastorm is a great vender point as well. Using gems is the best way to use the money trick I said above since they usually have low profit margins.
Lastly, you should just buy spells before you need them. For example, at leevl 16 buy your spells for level 16 and level 20, then you don't have to go back to cabilis till level 24. I found this to be pretty effective and unless you're leveling really fast it wasn't much of a problem.
edit: I forgot to mention, theres a poison merchant right in the tunnel to nfp as soon as you zone into fp. Since the shady swashbuckler gives bad deals this is a pretty close alternative, but there's probably some neutral venders in east commons that I'm forgetting.
double edit: I guess mainly the point im trying to drive home is that if you take your iksar to antonica or faydwer or whatever and just play naturally, it will work itself out on its own. If you don't have actual experience as an iksar, the basic assumption would be that it's difficult to do anything in the old world. This isn't the case, especially as a necro, because they have so many tools like invis, bind, gate, fd, etc to make travelling around fairly easy. Overall, I would say an iksar necro is much easier to play in the old world than something like a wood elf ranger by far just because the utility outweighs the racial restrictions.
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