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Gold is a secondary currency introduced in SCUM. It allowes you to Respawn at your shelter for example. Also when a Partial Wipe occours it will stay and not wiped. This way you have a way to aquire some starting equipment after a wipe by selling the gold.
How do you obtain it? I have alot of money but the bank does not allow me to purchase any
You need a Gold Bank card in order to purchase Gold, you can get this card at the bank. After you aquired the Goldcard you can purchase also Gold.