When cast, a target within 15 feet is stripped of all non-attuned equipment and belongings on a CON 12 saving throw failure. The net-worth of all of these possessions is then summoned in a pile of coins above the target. These coins can either be electrum, making the clean up more of a hassle when nobody takes it, or copper, making the coin count higher and the damage potential higher, depending on any even dice roll where ODDS is Electrum and EVENS is Copper.
For every 1lbs (50 coins), the target takes 1d4 bludgeoning damage and is trapped. Being trapped, the target must make a STR throw minus 1 for every 5lbs (250 coins) on top of them, starting at zero, and succeed above a 15 to free themselves instantly or thrice in a row above a 10 to make their way out.
This spell does more damage on richer beings with more possessions but unlike the similar spell "Convert Currency" cannot be used as a utility and works on beings who carry zero coins on their person.
Note: All items that belonged to the target do not vanish from existence but instead are magically automatically sold and traded in an instant to beings across the lands. Nobody is actively aware of this occurring except the caster, the caster's present party, the target, and the target's present party. No living possessions (animals, plants, servants) are harmed in the process.
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