You know i had this theory where there were three types of currency.
Gold for the dwarves,humans and orcs.
Moonspheres for the elves and wizards.
Browntiles for the imps and lizards.
Moonspheres are transparant pentagon pieces which glow white at night.
In the day they are tranparent.
They are difficult to steal becuase they are hard to spot.
Browntiles are made of hardened spice and give off a pungent smell..so strong that other races are discouraged from even carring it.
Since rules the lives of lizards as they are found of spicey food. Imps maybe less so but find gold too heavy to carry and moonspheres to difficult to spot.
Now there is no exchange rate becuase there is no exchange between these currencies. I.e 1 gold is not equal to 3 moonspheres or 10 browntiles.....
So in order to survive you need to have all three types of currencies...