You can easily exploit your NPCs by pooling (taking) all their gold. Do so, but leave one coin on each NPC or you may experience some difficulties. You can also claim more than your fair share of loot from defeated monsters. After the battle, do not investigate the bodies. Instead mark the spot on a map (or remember where the battle was) and head for town to rest for a few days. Head back to the site of the battle and you'll find the monsters' booty in an "item stack" (with no bodies). Take the stack and your NPCs will not lay claim to any of the monsters' dropped items.
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