The secret is to not work from what you’d like to do, but to work backwards from what your players want to do.

Seriously, throw out all the prep you have that isn’t landing, and just ask your players what kinds of things they want to do. Then, make stories inspired by the actions or accomplishments they want to undertake.

… This does require that your players have some idea of what they want to do, though. If you have checked out or uninvested players, there’s essentially nothing you can do I’m afraid.

So now I will soapbox to the players reading this: Your job is to be invested in the game. If you don’t put energy into being invested, you’re not fulfilling your side of the arrangement at the table.

A tale that is perpetually dark in tone becomes tiresome very quickly. It needs to feature the occasional ray of light for contrast and to create a sense of hope. Monsters and other terrors must be offset with creatures that are kind and lovable, giving the characters even more reasons to stand against the darkness. Here are a couple of ways to add glimmers of light to a tragic tale:

• In a land as dreary as Barovia, take the time to describe the occasional scene of beauty, such as a pretty flower growing atop a grave.
• Make sure that the heroes have contact with NPCs who are honest, friendly, and helpful, such as the Martikovs in Vallaki or the Krezkovs in Krezk.

-Curse of Strahd, Introduction. Marks of Horror. 2016.

Modern capitalism as we know it began forming in the Renaissance, particularly in colonial European powers who were getting to the Colonization of the rest of the world game earlier than their peers. This notably includes Portugal and the Netherlands, followed swiftly by most everyone else.

There were promissory notes that were carried by travelers prior to this, in the form of Crusaders traveling from Europe to Jerusalem, in the relatively brief period of time that it was conquered. But this did not interact with market economies as we’d know it, and is directly analogous to traveler cheques, meant to make you less of an appealing robbery target on the road.

No, these kinds of shenanigans were concocted rather recently, and are not reflective of baseline normal human behavior. It’s mostly a system that was created by accident, with conventions that were forming being purposeful altered during creation by the people with money, for their own benefit.