As far as FK economics go, I see what Hviti is saying about what gets sold to the merchants, vs. what gets bought. After the MUD has been running for a few days nonstop, the shops are filled with crude leather gobby armour (useless, even to a newb), rusted swords.... OH and now that the store bought hides are fixed, 6,399 suits of hide armour of a dragon
Here is one problem. Shops like Willie's and Bradigan's and etc. could, in theory, be carrying really good quality, and magical gear, that would then be spent on by mid-level and up chars with a bit a plat under their belt. But instead, the only thing they have is the crap, while people hold on to their magical and hi-quality gear to either give away, or sell for less than the non-magical items sell for in the shops.
While charity and barter are nice, they don't help an area economy squat, and don't do much for enticing chars out of their spare cash.
Then again, the drawbacks to the existing shop system are big when it comes to really high coin items. First, and worst, is that anything special in the inventory goes POOF when the game resets or there's a copyover. I can think of at least three instances where I've had a char see a nice item that they WOULD spend the cash for in a shop, only to miss it when the game reset. I am figuring that there are some players who hold on to the good stuff to sell themselves for that very reason.
Now there's one PC merchant I have seen in-game who is doing consignment for other char's special items, selling them for a decent price. This may be the closest to effective means for reselling items as I have seen. His wagon quits with him, so nothing goes poof, he marks up for his profit, so he makes coin, the consignee makes coin, and money comes OUT of another char's purse.
Having NPC shops with non-volatile storerooms might make them more conducive for selling off nice stuff that other chars would in turn spend more coin for. But maybe I'm wrong.
I've also been thinking... Instead of a 1500plat up-front expenditure for a dwelling, plus the hirelings to run it. What if some of these vacant shops in Waterdeep and other places had a rental system. Say you rent a "key" to the place for X number of plat a month that gets drawn out of your bank account. Each shop could have a dwelling-type storeroom that items don't go POOF in, and instead of being tied to the player, it is tied to the rental shop (so if you don't pay your rent one month, say, your stuff is locked up unless you pay your rent up.) Drawbacks from a dwelling, you can't "live" in it, and anything in the storeroom would be up for sale, so a player wouldn't use it just for safekeeping as they would a dwelling storeroom, so it would be a more affordable system foor allowing player-run shops by players that aren't wanting to invest in a dwelling, especially since dwellings are basically on hold for now.

