The capability to make precious metal (gold, silver and copper) bars out of a large number of coins

This is something that occurred to me very early on in my experience with the game. For a very long time, I had no need, what-so-ever, for money. I never bought anything from the various merchants that would occupy the houses that I built, so I would amass a large amount of gold, silver, and copper coins. What I was hurting for, however, was resources. I was playing a MediumCore character, which meant that every single time that I died, I would lose all of my equipment. Having a misplaced step into a pit or a really relentless Eater of Souls deep into Corruption territory would make for at least a good half hour of equipment retrieval. However, I did have a LOT of money, if only there were some way to convert that into the material needed to craft new armor so I could get a leg up on getting my stuff back.