In the alpha I had a hard limit to how much gold I could collect, but now if I want to start with any gold at all I have to pay 25gp to withdraw 25gp. No loan shark in history ever operated at rates like that. I think 10% to withdraw your own money would be more reasonable. How about 20%? Vinni, please, I'm dyin' here!
Ditto for carrying equipment out. It's less like taking stuff out of a locker and more like buying it.