TerriblePurpose: I'm getting vibes of Arcanum, although I don't recall it starting in a cave.
wolfsite: The Demo for Arcanum started at the Zeppelin crash though there is a cave and town nearby so that could work with the description as there is a bank in the first town.
Yeah, I remembered the bank in the town, but had forgotten about the cave. However, there's something rattling around in the back of my mind with his description but I just can't dredge it up yet.