People are getting way too much gold and getting it way too fast. In real life, the United States federal reserve prints money out of thin air and causes the de-valuation of the dollar, this is what makes the cost of living go up, with nothing to back up the dollar either... Gold has no value, thus, the cost of living in UO has gone up, this is what we call a inflation, or a depression.. A good start, would be to add in new currency into Ultima Online such as Copper and Silver(not faction silver.) To back up all the gold.. Convert all existing gold in the game into copper, 100 copper would turn into 1 silver, and a 100 silver would = 1 gold... The currency, copper, would also be the only loot found on monsters, the high end ones would be the one with around 20 silver or so.. So gold needs to be harder to come by.. I think there should be some kind of credit system with money also, money ledgers of some sort, rather than carrying it around in our bags and throwing it in our bank..