This is a year old it seems, but do think it really is worth considering.
In my innocent Elvenar youth (in 2015) I actually thought that giving neighbourly help would mean that I'm giving away my money
. Only afterwards when I investigated further I realised that I had unintentionally made my life a bit harder. I know that when you join a fellowship you are told to do it and why, but not every player is planning to join a fellowship from the start.
A reoccuring quest having the questie explain what neighbourly help really is might do the trick.