I agree that we need a Group Fund. especially for Disposable resources like Wands crafting Supplies and Potions etc. I think however that we should limit it at first. During the first 2-4 Levs when we're not making that much cast we should limit the Group Fund to 10% of each person's total income (totaled between every 3 or 4 game sessions.) that gives each char a bit of a honeypot to spend while keeping the group in rations and Inn fees and all that.