Unlike Pre-War money, Legion Money and NCR Money are not affected by the Barter skill. I.e. $5 NCR is always worth 2 caps and a Legion Aureus is always worth 100 caps.
Interesting. I for one didn't notice this at all. But now that you mention it, I realize that I've always been trading 100$NCR for 40 caps regardless of my barter level.
60 hours in and just a couple of quests from finishing the main storyline, I haven't found a single use for my NCR money or Legion Denarii except exchanging at the casinos. Not one.
You can trade with it, just like ammo or random junk you pick up. Except it has no weight, so it's a handy way of building up a lot of value if your trading partner doesn't have a lot of caps.
I wonder if currency is always *sold* at a flat rate regardless of your barter skill or the trader's usual absurdly high markup... I'll have to look into that.
Part of the thing that has devalued the bartery-ness (??) of Fallout 3/FNV is that caps are essential to have. You have to make bribes, and you have to pay for repairs. Repairs can cost thousands and thousands of caps: repair technicians will
not accept goods in barter for their services, only caps.
The other part is that you can find most of what you need in the wasteland by scavenging. I don't think I've ever *bought* stimpacks or Rad-X or things like that. Most of the times you get your weapons by scavenging, and you'll even get most of your ammo by scavenging if you're into the ammo-reloading game. There's very little that you need to visit a vendor *for*, and thus, there's little sense of "I need this medicine more than I need caps". You end up accumulating tens of thousands of caps because there's nothing consumable that you're spending it on. With the exception of ammunition, you rarely go to a trader to
get things, you go there to sell things.
So yeah. To increase the "barter" factor and reduce the mountain of liquid capital that players accumulate, almost all "exchange of value" transactions should allow you to barter goods and equipment, and, there should be more stuff that players need and merchants have.