The idea was actually to take out actual currencies and use some kind of material that would be necessary for the ritual to be completed.
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You should also consider the things that would immediately become extremely valuable in this circumstance.
Books about farming, (really books about any task that people have forgotten how to do without magic)
Flint stones (it gets a lot harder to start a fire)
simple tools (a tiller, rope etc...)
Yes, basically. However, giving them a budget gives them the freedom of investing it as they wish, something the OP asked for. Do you invest this 6000 destiny points (or whatever) in making your +1 scimitar a +1 keen scimitar, or into upgrading your ring of protection +1 to +2, or do you enchant your cloak to become a +2 cloak of Charisma, then improve 6 potions of cure light to cure moderate, and save the rest for when you'll be able to upgrade your full plate to +3? That's all in your own hands.