it's asinine that your level 81, and the shop owners still have 750-1000 gold. While everything you find in the higher levels is 2000+.
And to make it part of a perk point system is even more asinine. Since treasure increases in value as you level up, as should the gold shop owners have in their kitty.
it gets to the point, where after a quest, you have close to 5K in goods and cannot get rid of it. so you end up with chests full of crap.