You and I are on the same page...
Bic lighter is a good example. Cold day and I’m sitting by a nice fire eating some nice deer steaks. I have several Bic lighters and this guy comes up and offers to buy a lighter and offers gold because he needs one and it’s cold out. If he’d offered a couple cords of wood or offered to collect some for me he’d get a lighter... probably to use or I’d let hit take some fire coals home to start a fire. I’d look around and I’d see no need for coins or a rock.
Stop by and we’ll enjoy a deer steak and reminisce about this guy we knew that froze to death while trying to eat gold.
Before they wander off into the woods without a fire-making tool they might stop and think about the dangers of exposure: then come and buy one of the hundreds of lighters I have in my prep store.
And perhaps one of my wire-saws and some PJ tinder. And - under the "one is none" rule when it comes to fire-making, a Swedish fire-steel.
If he stops to reminisce, I might tell him about the guy who's happy to trade lighters for wood while he's sitting in a deer forest.