I think it would be nice to be able to invest in a shop multiple times. Maximum of three times perhaps? If you have the money then why not? Also what should you do when you have so much money. Cant exactly buy a castle with guards >_>

Maybe people with over 100.000 Spetims will be able to turn them into a virtual currency, like Microsoft Points, and be able to spend them to purchase the next DLCs.

Then there would never be anyone on PC buying the DLC.
You know there is a cheat to get loads of money from the console commands?

Lucan Valerius is the only merchant you will ever need. If you invest in him and have all the perks, he has something like 12,000 gold available.

Game economies are never right. In the beginning you don't have the money you need for the stuff you need, and in the middle you have all the money you need but what you want to buy is not unlocked yet, and in the end, you have all money you want, and nothing left to spend it on.

I am not sure if getting more money later in the game is of any benefit if there is nothing to sink it into.

I actually did this somehow once. It was a glitch, though. Pretty sure it was patched or made harder to occur.

Ahh im well aware, But there is no home nearby that i can live in really... unless you take their house if you marry his sister. Too bad he doesn't live in whiterun.