The Pools of Flame and Tears
With such a small population with such a small set of goods, money means little to the denizens of the Pools. A barter system has been employed successfully for generations, trading freshwater for fish, trading incendium tools for displacer beast fur, and so on. There is always something worthwhile to do, such as fishing, and there is little greed. The limited resources available are plentiful enough that no one is poor.
Gold, silver, and gems are plentiful and lacking usefulness, and so possess no real value.