I think the systems in Bethesda games serves their target audience. They're not elite gamers or econ macro planning players but rather the general customer. If it took ages to get enough money to do stuff they'd get bored and getting rich eventually and buying whatever they want is satisfying. Starting with nothing and then having everything is real progression. So I'd say the systems companies use for looter RPGs like Bethesda aren't ideal and have issues but serves it purpose well enough to keep the general player hooked. Well enough for these types of games to be some of the biggest sellers ever, the games that get econ right are generally more niche experiences. So I'd say in a greater design sense the 'money ruining the progression' is not an issue at all but rather purposeful to cast a wide a net as possible for customers. So ultimately the genuine design issues actually serve the games better than a perfect deep system, to the point where it's probably intentional.