What bothers me the most is the lack of gold weight and the lack of effect on certain abilities like sneak or endurance. I can carry thousands of gold coins in my pockets? How? You should be nailed to the ground because of the weight. And the katching ching noise of thouse thousands of coins should make sneaking impossible.
Other than that. Release the Creation Kit. I want my banking mod.

Ha ha! True, but still....You would need to convert that stuff to coin. You are still selling that stuff. I can't see just finding that much gold in loot and treasure.
You can get close enough though. I pick up a lot of random loot which I don't actually need. Selling it is the only viable option to get rid of it, as long as nobody's yet modded in a trash can that is.
Besides that, looking at my own gold pile, you can gather a lot of cash by selling off your own equipment when it's no longer needed. And off course that stuff usually got enchanted and tempered. On top of that you don't exactly need to grind enchantment, alchemy, smithing, pickpocket or sneaking to build up a lot of cash. Even a little functional indulgent in those skill trees will amount to a pile of cash fairly quickly.