How can I store gold with at least 95% efficiency? Without the ability to store gold, either by putting it into a container, or depositing it with a vendor (bank teller?), Wild Mages aren't worth the risk of having in your party due to the 1 in 50 chance per wild surge that 80% of your gold gets destroyed. I'm serious, and being totally pragmatic here. See this: https://baldursgate.fandom.com/wiki/Wild_Surge
Realistically, not being able to play a wild mage for fear of losing all your gold is very dissapointing. Wild Magic was a great addition to the game, but the "My Gold!" (roll 95) and "Gold Destroyed!" (17) wild surge events just make it not worth it I think. Even with a 1 in 1000 chance, it still isn't worth it, considering the benefits of wild magic vs the cost of losing so much gold without doing a savegame reload. If it weren't for this, I would definately play a wild mage or always include Neera in my party instead of Dyneheir, Edwin, or the other mages.
I really would like to be able to store large amounts of gold easily, and not via odd game mechanics like Zhurlong the pickpocketer in BG1 who only takes 30GP per conversation. You can only withdraw from him once (twice if you kill him for the 2nd withdrawal).
One way to implement this this would be to add a bank teller at each of the strongholds in BG2, and one at the Friendly Amn Inn in BG1. Adding the ability to receive interest on your deposits (like 2% per game month?) would be a bonus, and would teach players the value of saving money, which is something that more people need to do IRL...
I don't think it would take much effort to code this, and it would save Wild Magic in the game IMHO. What do other people think? Thanks!
UPDATE: Another solution would be to change it from 80% of your gold, to a fixed amount, like 50*the mage's level.