You will have difficulty with vendors and guards. However, you can slip by the guards with gather shadows once you get it.
As for the monk or other classes with low strength, instead of destroying coin just purchase gems from vendors (peridots, pearls, sapphires, rubies, etc.). The gems weigh quite a bit less than the coin, and readily convert back to plat, with very little loss, when you are ready to make a purchase.
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