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The polled instance has not ever happened to me, as far as I'm aware.
Curious why "It depends on who THEY are" isn't an option here, because I feel like that, more than anything else, would influence things.
When I play, I RP my character. This character would see gold and pocket it. Especially if it was an enemy's. Unless mechanics are different here: bank it, pack it or lose it. That's how I was taught, anyhow.But, if I they ask and ask nicely I'll give it back minus a finder's fee. Mostly because the player is super nice.
I feel like if something like this were looked at from a pure rp perspective it would be no question as to whether or not the gold should be returned. If Mhaldor were to raid Targossas and a Targossian dropped 500k, on a rp level that gold should go straight into the Mhaldor city coffers as spoils of war. No hesitation. The real question here is whether or not you consider it in character if someone drops a large sum of gold while raiding.
And you won't understand the cause of your grief...
...But you'll always follow the voices beneath.