Something I feel is missing is the option to either ask money for a quest or not. In FNV I had a character that was all about the caps, he'd always be looking to get as many as he could. I then had another that would never ask for a cap, he was on some sort of crusade. I feel that Skyrim lacks this option. When I play as my Dragonborn I feel bad that he takes money for helping people, there should be an option to say I don't want you Septimus. I have a merc character that love the gold but the option would be nice.

I think more quests should have an option between money and another reward. Like the ones where they teach you a skill. If I'm a master of Magic and I decide to go and retrieve X or kill Y for you, do you think I want to be trained in the skill of 2 Handed fighting? Can't you just toss a few Septims my way?