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I also partly don't understand this... I used these pirate coins only as a startup. After that, they only brought me minus when an event with a dissatisfied person appeared. I already have 5 million, a fully upgraded ship and the price for one pirate coin is 214.

Now I'm wandering around the islands trying to continue the plot...

I think that the mainland banned the pirate coins is the reason why the exchange rate increased so rapidly. After all, you have to meet the traders'loss as the pirate coin is basically a waste to them.

my advice is pls don't use the pirate coin as you can enjoy the whole story without it.