Okay, heres how it is if you just started playing, after you get off the island, you get 25 coins right? Itsa scam:
You get off island to the castle, pass the spammy people at the respawn point, then you go to that guy in the blue coat Lumbridge guide. He says "You shud buy a Security book!11!" So you go and buy one, 5 cents gone, 20 remaining, you head up onto past that bridge where goblins are thinking Oh I have a sword I can kill anything!, only to get killed by swarms of goblins you attacked, 5 cents flushed out 20 remaining. You head back up to that gate, guy says 10gp to pass this gate! You're thinking "what the hell is a GP?" but curiosity takes over and you say okay here you go. then that's 10 cents gone, 10 remain. You explore the desert and come back to the gate with 10 cents (If you weren't ripped off by crap-merchants) And you're like This sucks I want to go back to lumbridge, you pay 10 cents and you're left with no money and a wood shield with a rusty sword