I think it's true of all ages, pre-Roman onwards, that gold was not used for everyday transactions. In the days before banks, it's the form you would have held your assets in, apart from property, land, and such like. Even from the 17th Century onwards (when banks appeared) gold would have been a rich man's toy - either held in a strongbox in preference to a bank, or used for gambling, betting, prize money e.g. in horse racing, or for paying for really expensive items like original works of art, racehorses etc. That's why pre-Victorian gold coins are worth far in excess of their gold value - the rarity value alone due to such limited issues makes them very costly for collectors.