Nurse is typically not getting to the point
I assume its that they are poor
You throw the coins in some kind of flat bottomed river and they float downstream then they get caught at the bottom and frozen together then launched with a catapult onto a life raft where it floats to a whirlpool and sinks eaten by a shark the shark is caught and gold found then the bigger ship sinks then treasure inters find it and put it into the bank
I think you are correct because some novels don't have a villan and most books talk about the life's of the mc
