Clarify and streamline D&D item events

docs/integrations/dnd-item-event-artifacts.md

@@ -47,8 +47,10 @@ optional display values whose presence depends on `kind`.
 individual holder is not established. Its comparison is case- and
 Unicode-insensitive. Transfers require distinct normalized holder values.
 Giving an item to an NPC, spending currency, selling an item, or another move
-outside party possession is `lost`, not `transferred`. Ordinary non-depleting
-use is not an event.
+outside party possession is `lost`, not `transferred` or `consumed`. Monetary
+spending, purchases, and payments are always `lost`. Currency is `consumed` only
+when the source explicitly describes its physical destruction or expenditure as
+a non-payment component. Ordinary non-depleting use is not an event.
 
 Currency is represented as an ordinary event name plus an explicit quantity
 when the transcript supplies one. Each denomination remains separate. The