Dr.Degrees_Cr.Cash wrote:
You are far and away the resident HP expert so I will just start quoting you in all Qs:
Are there non-goblin banks? Also in general how does their monetary system work? Does everyone have a vault in just gringots and they have to go get all the cash they need from their vault? It just seems odd that everyone has to go to their own personal vault, it the 1980s/90s and MAGIC, why does it seem rudimentary fiscal logistics like note based payment has escaped them
There is, sadly, only one "wizard bank." This is because travel is so easy for them, but it's also stupid and antiquated, much like a lot of things wizards do (see: use of quills). But for real, a lotof what they do is to maintain a lifestyle and that stems from a lot of antiquated values.
Their monetary system is also dumb af. I love it. There are only 3 types of "money," but you can totally just tell a goblin to move x amountto y person's vault.The money is straight up gold, silver, and bronze coins. Heaviest shit ever, but I'm sure it's satisfying literally slamming gold onto a counter to buy a round of drinks. Anyway... Gold galleons have the most value, then silver sickles (there are 17 sickles to a galleon), and bronze knuts (29 knuts to a sickle). Money only works btw, because it is an exception to Gamp's Law of Elemental Transfiguration. Just like you can't create food out of nothing, you can't just make money. Plus they all have serial numbers and goblins can tell if it's a fake, and non-goblin made. So, if you're using the bank, ever, it's near impossible to fake.
You make a total valid point, but as I say, a lot of this is for the #aesthetic that wizards are OBSESSED with (it's part of the whole staying separate from muggles thing), and they can just ask a goblin to make the transfers for them. Because wizards are dicks and dgaf if half the shit they doturns non-wizard sentient beings into servants (don't get me started on house elves).