Thankyou for bring that to light Kapu, admittedly it is not something that came to my mind when thinking about things that needed to be clarified. Obviously you can create whomever you need, etc. But, there will be two stages of this "creation".
Firstly, the means to an ends npc's. This is the most common form, thugs for your character to fight, a damsel to save, a quick profit, etc. These you have express freedom over, again this is less rpg do-this do-that don't-do-this, and more of a story telling. Now if I feel you are abusing this freedom (constant "errands" and "opportunities" to gain gold, or other things, then I will step in. Otherwise this freedom should be used to express the story you want. This comes with a minimal responisibility to maintain realism and believability. A common isn't just going to give you an ultimate artifact of world domination, nor should he be carrying thousands of gold pieces.
Second, there are the storytellers, to help maintain the story arc and complete objectives. These are typically things like oh..say the noble houses. While the character I have will be a noble, thouse house needs to be present because of his story, and the world, yet really I only off-handedly control them, as needed. Yet if you think about them, even if I do not directly mention things, in your mind you feel as if the story is still continueing in the background, only brought to light and revealed as needed. If you need a storyteller npc then by all means, go for it. I only request that you notify me of "high ranking" creations, such as generals, nobles, anything involving the king, etc. Commoners, Soldiers, Merchants, Harbormasters are all up for grabs (provided that a unique position isn't already taken by another player's needs, but that's a rare occurance; i;e the king's advisor is a unique position).
So really, you do have express freedom in these regards, to use as you need, because I trust you not to be abusive with this freedom. Any kind of "high ranking" official of importance I would like to know about before hand. I don't really see a problem, but letting me know about the more important ones does keep everyone from interferring with eachother's story arcs. If there are any NPC's that I create and you cannot have, I will let you know.
P.S I've decided not to "manage" character gold. I feel that you should all be treated like adults :) Much trust this day.
P.S.S I have plans for combat, and settling differences using a dice roller. More on that later though. (Combat between two characters only, obviously one wants to hit the other, and the other does not want to be hit. So instead of eight paragraphs of lucky dodges and trying-very-hard-not-to-meta-game, Dice rolls. Obviously avoid permanent mutilations (unless agreed upon by both parties), disfiguring, permanent changes (i;e polymorph) and death.