It isnt portrayed as 'being carried by Player' or else you would lose EVER DENAR when robbed or losing a battle. Always thought the money SHOULD be in a physical location like World Bank surrounded by 10,000 troops and anyone tryna rob said bank would draw the wrath of the entire world. If player owns town/castle should be locked away there but player should lose it all if he loses that location making the need to defend very strong -as would be the case in RL