Thanks Fable.
I'm playing on 'normal' or default difficulty.
I do have a LOT of experience playing RPGs. Just new to this series.I see.

The default difficulty level is the "average," but it's also the third most difficult out of four.
About the gold, I did try clicking on the scales and get told 'you don't have enuf gold' or something like that. It always SEEMs to me that I DO have enuf gold. I'm not sure what is up. I'll have to recheck numbers. Only if the buy/sell numbers are close will it equalize.That's odd. You do have the latest patch, right? It's 1.4. I never had that problem, even with 1.3.
About those stat points, I hope you are referring to my DK and not the Wiz?
Or are you referring to the wizard.....? Both. In BD as in DD, you start out with an inability to hit anything that moves, and an ability to get hit very hard, very quickly.

Agility and survival should be your sole concerns for a few levels, because they help you hit, and help cut down on your being hit. After those first few levels, I would suggest customizing each party member slightly, by one or two stat points going to intelligence or strength--but keep the bulk of the points in agility and survival. It doesn't help to wear better armor, after all, if you're still going to be hit until you're dead. Similarly, wielding a larger weapon is nice, but only if you can make contact with it.
BTW, how do I get to learn just what all the Alchemy herbs are for and how they work?I wish Larian had put a book in the game, early on, to explain about those! Each plant type has its own color. You need a certain combination of colored plants for each potion. Just right-click on any plant, and you'll be told what potions your party can make with those plants its got.