What about starting with heir talent but 1 less talent overall. So you get heir for 1 instead of 3 (without prereqs?) but you have to pay it.
This might be too powerful, but it goes in line with the other starting with item suggestions.
Alternatively:
Start with "Boon to the Family" talent for free. That would double your starting gold, as some have suggested, and also unlock Heir at only 2 talents instead of 3, since you'd have "Boon". So it would do something even for Monks.