I know D&D is based on a gold standard, but it's never felt right to me. Somehow bringing hundreds of pounds of gold out of a dungeon just never seemed right to me. It just seemed to devalue gold.
Switching to the silver standard helps, so long as you treat silver in all ways like gold,except that it's silver. Or something like that.
Gems. Gems always felt better, travelled easier but were much harder to actually spend. The average barkeep is not going to cash out gems.
Letters of credit aren't too loot-able.
So, what's the standard in your campaign? Why?