If the intent is to not track resources, how about a further simplification?
"Background Kit: These are the items and RP you start each adventure with, as chosen during character creation. You may buy/sell items during this step but may not retain any unspent RP. These items may be modified by certificates found in adventures."
"At the start of each adventure, a hero has an amount of RP on hand as determined by Table 2-20 Income. This RP may be spent before play commences 'off-screen'.
Items purchased and any unspent RP are not retained beyond the adventure. This may be modified by certificates or talents."
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I was looking to purchase a Spyglass (900 RP); as a noble ship's officer, its almost mandatory equipment.
Although my suggestion does make the +5RP from Dilettente (ta) minimally appealing against my income of 250RP from Courtier (but worthwhile for lower classes).