Have been thinking for a while the game needs more end game uses of gold and also needs an item that is probably unique (can only carry 1) and breaks on use - its purpose to not lose skill points on death.

Call it like 'pendant of odin' or something, it could take the same slot as the other belts.

The trader could sell it for like 5000g, this would not be an item used until end game but would give end game players a reason to go out and adventure and still actually pick up gold and other trader items.

Plus late game deaths can mean literally dozens of hours of spamming skills to recover. This seems like it would kill two birds with one item :)
Give people more reasons to adventure, pick up loot etc and give peace of mind about dying on an adventure with a high level character(or just falling off a building with no food on! Haha)