"Cowards die many times before their deaths."
– William Shakespeare
Not all men are meant for battle. Some are meant for submission, followers, cowards and turncoats. Say what you will, this world is full of all kinds of people. Through practice, one can become so good at being afraid as to even learn how to properly barter for one's own life. Yellow Belly unlocks the ransom feature when facing defeat at the hands of one stronger than yourself.
If you have been Knocked Out by an attacker, once the Yellow Belly Skill has been learned, you may right-click on your attacker and select "Offer Ransom" to offer 60% of the Silver Pieces stored in your Bank Account. Your attacker has the option to Accept or Decline your offer, if Accepted, your money will be withdrawn and you will be sent back to your Homestead.