cbean85: The problem with most RPG's is that there is never enough incentive to spend your money. Most of the best items are found rather than purchased. I personally think that New Vegas has more opportunity to spend money as most of the best weapons and weapon mods I have found have been in shops. (I also have the Gun Runners DLC which adds many weapons and mods to all of the shops, so that probably has something to do with it.) Also as orcishgamer mentioned, it costs a ton to repair your good weapons and armor.
It also doesn't help that I am kind of a gun whore.
Roman5: It's the same thing in the ES games
In Morrowind you can abuse the hell out of Alchemy and Soul gems and make a ton of Mucho Casho in no time thanks to the Creeper and Mudcrab merchant
The problem is that there is almost never anything to do with all of that money
I always went to the Enchanting table and experimented :D. I think I liked making weapons that changed into other weapons once equipped. For example, get a Daedric dagger or something of equal high enchantment levels and put on a permanent effect Magic Axe on it or something of the sort :D. It basically becomes equip dagger, receive axe :D.
PandaLiang: Not many RPGs really provide some meaningful way to spend your money though. You only need to buy equipment in early stage of the game, and most of the better equipments are from quest rewards or slaying bosses.
Aaron86: This is pretty much the root problem. Hell, if the best loot is found from quests, bosses, and hard-to-reach treasure chests, I'd have to wonder why a game needs a money system at all.
Oh sure, there are consumables. But then you have to factor in Gamer OCD (see attached).
Ahh yes, the old Too Awesome To Use problem rears its ugly head again...
