Once an old wizard had a ingenious plan. Through magical and mechanical means, he found a way to allow people to send money through time and space. He was able to teach this spell to anyone who cared to learn it, and thus he was a central 'remote' bank for them. At a word, they could use the spell to transfer cash to the wizard's shop where he then transfered it physically to the caster's bank account, keeping a small commission for himself. It is said he was able to retire and live in luxury with this discovery, which secrets he still holds to this day.