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I think he might be suggesting that advies have the option of paying a really high amount (since it would be in gold) in lieu of items.
Ah like that well, it would make it a lot easier, that's for sure ... however, item trade is like the only reason to get in touch with other advies (being an advy), and thus rendering that obsolete would completely turn adventurers into Einzelgänger?
For item turnover rate, make it possible to lose items in battle. Infiltrators, or captors, could steal a valued item. Even allow a Judge to accept a UI as ransom. I don't know how difficult it would be to code, but it could be interesting. I could certainly see the theft of some treasure being a reason for war.
Far as I know they can be lost in battle if you are wounded. Judges can steal them off you too.
They can be found by a number of ways. Foraging battlefield can do that. Adventurers can also find them, I think by investigating or something.