common event > trigger > on death -> add "SHOW options" with a few options, for example spawn in city = free, or spawn near. if they select near add a conditional branch, if player has 100 golds take 100 golds and warp him where you want or if he doesnt have money show a message instead, you need a contiditional or he will spawn even if he doesnt have gold.
to change default spawn points is more complex, you have to create a player variable and call it for example "spawn1", "spawn2" etc anything you want, then an npc change this, for example you go to a city talk to an npc and he says "would you like to change spawning point here"? if you select the option yes, change the player variable you created, if it was bool set it true or false and in a common event you control where player spawn easily with a contidional branch. If player spawn point variable = "spawn1" warp him city 1, if variable is "spawn2" teleport to city 2 etc