I can understand the gold on your person, but banked gold is nowhere near your body when you die.
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You think the angles are going to put your soul back in your body for free? this isn’t communism buddy!
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The cost to recover your body back to town in case you quit and re-enter just to see your body right at your feet.
Render unto Caesar the things that are Caesar’s. Is heaven buying earthly things with Caesar’s gold?
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Because that is a basic Death Mechanic in D2. You pay a gold penalty when you die. If you don’t have enough in your bag it takes it out of your stash. As you go up in difficulty, it also takes experience away from you.
If you put the gold in the Shared Stash it does not take it.
I would assume, if you wanted some sort of lore/background reason, crossing the river of death requires you to pay the ferryman.
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I assume they use the money to build things like the Pandemonium Fortress that thing doesn’t look like it came cheap
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Ahhh, good ol’ Charon. 
Put all of it in your shared stash, its safe there.
a tedious mechanic if u ask me btw to constantly having to micromanage, they should either make gold drop from both stashes or none at all. or let us buy things from our shared stash gold
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It’s needed to build a wall to keep the demons out.
Found out that if you bank gold in the shared stash it doesn’t get touched.
Nooooooooooo! Don’t say that on the forums! This is Blizzard we’re talking about!
Each time I log on all my money is gone the money on me and the money in my stash and I didn’t die.
Check each of the Shared Tabs. They are different and don’t show up when you visit the Vendor. You need to transfer the money into your own Personal Stash.
The benefit of having it in the Shared Stash is that you don’t lose it when you die.
The death tax.
We have that irl too
The way around that is to just put your gold in one of the shared tabs. It won’t take from that. However if you have any gold on you, it will still use the shared tab gold in calculating how much gold you lose from your personal tab. That means if you have a couple hundred thousand sitting in your regular inventory space, but have your shared tabs maxed out in gold, you’ll lose everything in your regular inventory tab.
So just don’t keep anything there, or on your person. And when your shared tabs are maxed out, just gamble.
To be fair having stashed gold not drop at all like the shared one wouldn’t be a bad change. Really doesn’t break or change much. Just gold on you dropping.
Don’t see it changing though just throw it in shared stash
rumor has it each time u die some of that gold goes to a blizz employees account as they chuckle and play with their hands like mr burns from the simpsons lmaooo jk or am i? nah jk…maybe
The toll of death is steep… but you have 3 stash tabs that do not lose gold…ever! Use them!
I think the gold penalty is pretty neglectable. But if you don’t want to lose anything, don’t die.
Kidding… just put the money on a shared tab. You won’t lose anything if you die. Downside being, shops can’t charge from it, so you will have to withdraw some gold before shoppping. Which is kinda realistic if you think about it.