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I may be wrong, but I believe the amount they have
on them is what you would steal off their dead
bodies, if you kill and rob them. That was something
I read on another forum and I've not killed a
merchant or store owner so I don't know if this is
true or not. Save a game just before killing one and
see if he has that much on him/her. Then reload the
save just before you killed him to avoid the fines.
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Remember these are just games so don't get too upset
when you get your ass handed to you in a hat box 
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