I am trying to identify a fantasy novel I read part of, I believe around 2010. The only narrative detail I remember is that there is a magic system in-universe that takes effort to use, maybe proportional to value. I remember the main character attempting to summon/conjure a gold coin and almost dying from the effort.
The book was fairly thick, maybe 500 pages. The cover was blue, and had a character standing in the rain, in what I remember looking like a shipwreck.
I believe that it was not the first book in a series, which is why I didn't read all of it. I think the title was a single word, something like "Homelander", or "Outcast", a dramatic word for a person. Any help would be appreciated, this has haunted me for ages.