You got 200000 septims from wandering around towns?
Yea, right...
Pull the other one. `console` and `cheat` comes to mind.
Investing in speechcraft (Merchant perk), making/selling potions and loot... yes, you can accumulate a lot of gold. NO CHEAT involved... sheesh you people.

My 2nd character has over 200k on her and at level 45. The Riverwood trader has 10K gold when you invest in him and with the Merchant perk you can sell every bit of loot to him. I got the investor perk, so that I can invest in stores, to get RID of some of my gold! I haven't even started Solitude quests. I need to get that house. I have Whiterun and the Riften house so far. I have hardly advanced any main quests. It's boring to have so much gold.
But yea, I make my own armor, I enchant my own armor, I craft and enchant my weapons, so there's not much to spend gold on. I just buy alchemy ingredients and ore LOL
I actually started a new toon LOL I like earning my way up. I make sure to spent enough money, so I have always something to work for. LOL