Almost positive I know the answer, but just want to be absolutely sure.
All characters with an "!" receive this bonus at gamestart right?
Ex. Caprini get 3 extra coins during setup in addition to the 7/8/9/10 coins players normally get.
Probably just a wording issue, but: Characters with an ! receive the bonus at the start of each round. So yes, once his first action comes around, Caprini will have those extra three coins.
So while the start of the first round still could be interpreted as "gamestart", saying that the extra money is received during setup is definitely misleading.