Yeah yeah... multiplayer...
All I'm saying is that there is A LOT of fixing needed there. Buying stuff for individual characters should not: A: Have a chance to get you killed. B: Make you want to gouge your own eyes out.
They can chose how they want to resolve it, but I would say: Each player must have a single purse from which all his characters under his/her control can draw. That solves it for both multiplayer and single player.
For inventory management and trading in general the game can do with copious amounts of love. That part of it is far from being "the best thing ever" in RPGs.
Please understand that I am not kicking DOS with these statements. The game appears to have significant potential.