Well, no need to be confused since I don't say that! I propose to use "Luxury Goods" to sell to natives, instead of "Trade Goods". The natives will pay the player with "Trade Goods" instead of gold. And then the player will be able to sell the "Trade Goods" for gold. Of course the price of the "Trade Goods" should be corrected, they should start about the same as gold early game, go down as silver later on, and eventually go less valuable than "Luxury Goods", making it unprofitable to do this kind of commerce, about middle game. This will be much more likely to the real, historical commerce. I believe it will feel better too, removing the question of how the natives got real money. It may be implemented on top of the actual pure money transactions, giving the player the choice of using either way to trade with natives. Just make it more profitable so people can use it despite the extra work involved (sending ships or wagons to native settlements) and extra risks (losing the cargo).