In practice I've found this strategy to be pretty frustrating as a player. If treasure is going to be part of the campaign, give me something to spend it on. If

In practice I've found this strategy to be pretty frustrating as a player. If treasure is going to be part of the campaign, give me something to spend it on. If it isn't, don't bother -- but in a system like D&D, you need to then provide an alternate method for obtaining equipment and upgrades.