Well I still think that the autowithdraw is a good idea as it doesn't really affect game balance, its more of a quality of life adjustment. However to address that issue why not adjust the gold output from the pawn skill? What was the intent of the skill? From my perspective it could be one of two things.
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To give merchants a consistent supply of gold in times of a lull in business. This could be caused by lack of funds by the player base or a lack of a player base.
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To allow merchants to recoup some gold lost by purchasing a rare item that didn't sell or they couldn't keep after logging out.
If those are the motivations behind the skill then I would recommend adjusting the value of pawn to different equation
Pawn Value = item value/ the number of logged in players with level => (item level -10)
down to a static 3,000 gold for rares or 6,000 gold for a unique.
Now most rare items have a rather diminutive value for some reason so we would need a way of adjusting that if reason for the skill is reason number 2. So we could adjust the barter skill to set the value of a bartered item to the amount bartered for (x1000 if bought for CP).
Example: Merchant buys a double plated helmet for 30,000. (Assuming the item has a level of 30) The value is set at 30,000 for that specific item. When pawned the game would check for the number of players logged in level 20 or greater because that's who the merchant could legally sell the item to. So if there were 6 players on in those constraints the pawn value would be 5,000.
Example 2: Merchant kills kesrick and takes his helmet. The value of said helmet is very low, probably 50 or less. The equation would likely return a pawn value of less that 10 so the minimum would set in giving the merchant 3,000 gold.
As far as something for Merchants to do with CP I would like to think they could improve the quality of the wares they sell for CP but that could upset game balance. Alternatively their could be a person that exchanges CP for gold but then changing Pawn/barter would be a moot point. But its time for me to go to work so... more on this when I get there.