The player may ask for a treasure map, or allow me to assign an item to the character. Sometimes I may be feeling especially generous, but I will usually require a roll to see if the item may be magical or not. If not, it will be a useful item. Keep the 5 points. Only one try per character, however.
Standard coins are about the size of a dime.
Other advantages and disadvantages remain the same. The point cost to play a halfling is -5. Kobolds are 3' tall, rust colored, and have a short rat-like tail. It costs 0 points to play a kobold. Many large cities have a general populace that is not xenophobic or strongly prejudiced and will treat members of many races without contempt but there are always exceptions.