There's no need for the complexity.
Whenever my money is getting below 200k I do this. After selling items in the armory, so that each character has at least a few hundred gold on them, I go to the inn. (Idea here is that each character enters the inn with money in their pockets.) Then I pool gold on main character and remove all other members. I reinvite those members and pool gold on the main member again. BOOM! My money doubles. Sometimes you have to wait for the pool gold to show new numbers longer than others. From there, I can remove all members but leader again. Reinvite them and pool gold on leader again. My money doubles what the last count was, i.e. start with 150k to 300k to 450k etc. No need to go to the armory and back and forth or leave town. Though after done making the money I would leave town and save, as I don't trust the town.
Just my way for making money.
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