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I think the handicraft skill should be for utility and mostly usable without a handicraft kit. This will really emphasize the "hand" in handicraft. Possible no-kit recipes: a stone axe to cut wood and for use as a bladed tool, fishing rod from naturally foraged material (any wood/pole/branch and thin thread), a single thin thread handmade from some wool (takes 10 seconds to make 1 because we're making it by hand and not with a wheel), cooking utensil recipes already exist (should they require a bladed tool to whittle?), a campfire kit made from wood + branches + tree sap, torches for lighting dark dungeons, waterskins for holding water made from leather (should it require a sewing kit?), a kite just for fun, a crude signpost with custom text for trolling, a crude tent to protect us from the elements, a small cup of paint made from herbs (smaller than the existing paint buckets) used for marking your path or your body or just for fun.
I think a handicraft kit should count as a bladed tool, a hammer, and a sewing kit. This means you can save space by carrying a handicraft kit instead of those other things. If you already have these things, then you don't need to carry a handicraft kit.
"A stock is an investment. When you purchase a company’s stock, you’re purchasing a small piece of that company, called a share. For companies, issuing stock is a way to raise money to grow and invest in their business. When you own stock in a company, you are called a shareholder because you share in the company’s profits." https://www.nerdwallet.com/blog/investing/what-is-a-stock/
The question then is, what companies are we buying shares of? maybe the Erskin Bank, Lezzaro Vineyard, Eluned Vineyard, Festia Entertainment Group, Tailteann Farming Cooperative, Bean Rua Bar, Loch Lois Restaurant in Emain, Alchemy Society headquartered in Tailteann's alchemist manor.
The other option is to invest in guilds instead of companies. We buy shares of a guild, then the guild uses the money to run content, then they somehow turn those gains into money or guild worth, and finally the shares go up in value. idk, just throwing out ideas.