What  you  really  need  to get through this role-playing game is
oodles  of cash. Make two parties and send the first one to fight some
monsters.  When  you've  collected some cash say 3000 gold pieces give
all  the gold to one character and return to the refugee camp. Add the
guy with all the money to the second party and make him give his money
to  one of the others. Remove the character who had all the money from
the party and then add him again - he still has all his money.
     Repeat this as often as you wish - the money never runs out.