I've been writing a little addon for personal use that utilizes an inherited gold frame. It appears correctly and even shows the correct gold amount if the player sells something, buys something, or does anything else to change their amount of gold. The problem is that it shows zero copper after logging in until the player performs a gold-changing action.
Do you only have your frame reacting to events? You'll need to do GetMoney() when you login.
"You'd be surprised how many people violate this simple principle every day of their lives and try to fit square pegs into round holes, ignoring the clear reality that Things Are As They Are." -Benjamin Hoff, The Tao of Pooh