I like this idea.
I know it's probably not good in the grand scheme of things, but I personally don't think literal character wealth plays an important role on RP, this of course is a personal feeling. I have characters on other servers with obscene amounts of wealth, but I could care less in terms of actual RP. Instead, I think the player should be entrusted to understand their concept well enough to somewhat keep it in mind what would be realistic for their character. A character with nothing in the bank? I don't think this is the end all, however, and of course there's gonna be people that don't and it's a difficult thing to combat against. But more generally, even if an absolutely perfect economy can't be represented? I think that it should be in a sense, an honor system to allow players to RP it as they feel - BUT, this is not to say that aiming for a reasonable economy should be discouraged.
The idea of giving people the ability to use these tokens is super neat IMO. Giving people a bit of flexibility when starting a new character makes it all the more easy to get immersed and start getting creative with their RP. A shitty apartment in LC is probably gonna be a pretty common thing considering that not many characters (I imagine) will be super-wealthy. As such, having that first little 'stepping stone' (for lack of a better term) is always gonna be a nice little benefit. It definitely beats the somewhat weird thing where you might be RPing a local with past history and just... Don't have a place to have claimed living at.
I do wanna say, until the server is entirely established and everything is sort of worked out, that there will be some leniency in terms of allowing for players to obtain businesses and buildings that might be relatively important to faction's RP. I'd simply like to see people not limited so long as the goal is to encourage RP, of course, trust in the admin team that this is all done within reason.
Additionally, the idea of things being optional (like /charity) as opposed to forced allows people to get a bit more creative and essentially take their own route with each character.