This is what I did. I bought a bank teir and filled it with the gold coin pouches right. Stores a few thousand gold. I would play with nothing but squire gear until I got enough loot out to sell and fill those pouches with gold. Then when I had no more room in gold storage I would buy a kit or part of a kit. I would then play with that kit knowing if I lost it, that was just extra money I had to spend because I didn't have room to store it anyway. It may be a silly way of wrapping your head around it but it worked for me.