If you use a Loot ability and get at least one coin, then add one coin to total
Summoned creates are controlled by the summoning player
After prosperity 4, there is no longer auto-level, i.e. new characters start at max level 4 and characters are not automatically bumped to prosperity level, when below. However, when a character is below prosperity in level, then they receive double xp until they reach prosperity level.
(still a suggestion) If a character reaches level 9, then it can be retired as if Personal Goal was completed.