I'm playing an adventurer again, which you can follow and provide commands here: http://forum.battlemaster.org/index.php/topic,92.0.html (http://forum.battlemaster.org/index.php/topic,92.0.html). It might happen that I run out of silver along the playthrough. So, what happens then? Every turn my adventurer must spend one silver on food and other expenditures. If there is nothing to spend on food and other expenditures...then what? My adventurer starts starving? She shrivels up and dies? Though that would give me a really long graveyard in the near future.
If you don't have one silver, I think your advy scrounges through the garbage, or something. They don't get wounded.
Nothing, you get no message no penalty. You can get stuck in that region, if you keep hitting a toll when trying to leave. Some quick hunting or selling some common items usually fixes that though.