I voted for "Nearby allied heroes will get the gold. If no heroes are nearby the gold is lost (MFKS1)."
However, the last option of the monster getting the gold is intriguing, also the tombstone to be looted by the rogues is another good twist. Basically anything that pro-actively deals with the gold in a realistic way (it's not like once the tax collector dies, that bag of money will just vanish in thin air...nearby heroes of course take it, or the monster will (I assume they like shiny objects). Splitting it between nearby monsters or heroes works too...just if they make any change, it should be with a sound argument to sell the point, then I can buy into it as long as there is some believability, not just "it disappears" which makes no sense.
However, the last option of the monster getting the gold is intriguing, also the tombstone to be looted by the rogues is another good twist. Basically anything that pro-actively deals with the gold in a realistic way (it's not like once the tax collector dies, that bag of money will just vanish in thin air...nearby heroes of course take it, or the monster will (I assume they like shiny objects). Splitting it between nearby monsters or heroes works too...just if they make any change, it should be with a sound argument to sell the point, then I can buy into it as long as there is some believability, not just "it disappears" which makes no sense.