Went back to one of my saved games and ended up that I took a quest to escort a caravan a long way, ran out of money I. The way and most of my party bailed. So going to restart this again. But the question is how hard is it to negotiate some money upfront to pay your party enroute?
Depends on the client ... some give you a lot of leeway, some none at all. You have to take a chance and see how far you can push them.