[jprete]

This is 5E's default strategy, but I don't think it works well - it means that the PCs becoming rich will remove, rather than add, gameplay. They won't spend any time thinking about paying for necessities of life, but there won't be much else to do with gold, nor any reason to go after it.

(It's sort of like the 5E Ranger. 5E has a bunch of wilderness survival rules, spells, etc. that can be used for campaign gameplay - but one Ranger in the party makes most of them irrelevant. The Ranger player will get personal satisfaction from using those abilities for a handful of minutes per campaign, then all of it will be forgotten.)

[mcv]

Money in a total wasteland is completely worthless of course. But if there's people, money will at the very least let you hire people. Hirelings were a big thing in earlier editions of D&D that kinda got forgotten at some point, but there's certainly something to the idea of high-level PCs hiring people to form an army to take on the army of the evil lich-king.

[dcow]

I guess it kinda depends on the type of role playing the party is looking for. If you want to role play the survival then great, probably don’t use a rich-poor dynamic where survival is handled by coin. I tend to think most parties prefer to just get to the dungeoneering and not spend too much time haggling with the shopkeepers and in-keepers for affordable rates on amenities, though.