All open-world RPGs seem to have this issue. One of the things I did to mod Morrowind/Oblivion/Skyrim was to make the acquisition of money a lot more difficult

All open-world RPGs seem to have this issue. One of the things I did to mod Morrowind/Oblivion/Skyrim was to make the acquisition of money a lot more difficult by limiting the price you could sell things for and significantly increasing the cost of things like weapons, armour, equipment and room renting. Game was a lot more fun and balanced this way.