I am suitably cash poor early on and relatively comfortable later on, but never have had more than 30K gold. I don't grind alchemy or enchanting. I don't grind anything, in fact. If I need coin for something like training or equipment, I use crafting skills to make some. Otherwise I don't bother with that boring stuff. It's rather intuitive, really- only make what you need.
I also don't play characters past level 40 or 50, so maybe this is a difference.
cash poor shouldn't mean you don't need to save up some gold to buy that particular item for your character.
to render gold and loot, as meaningless, should cause a huge elderscrolls community GROAN. it's unacceptable. add in, horribly generic loot and few unique items, you are making the elder scrolls a quest and fighting game, purely.
that better not be their selling point.