Loot, Gear and the First Merchants
Creatures started dropping things, and someone appeared to sell them to you.
Monsters now leave loot on the ground: gold, potions, a skull, a mushroom, an emerald. What you pick up goes into an inventory, and what you can wear goes into equipment slots — helmet, armor, legs, boots, weapon, shield, ring and amulet.
The city got its first people: the general merchant, the smith, the armorer, the arcanist and the banker, each with their own shop and a bank to keep your gold safe.