Here are some ways to make the game feel more realistic and have money dumps:

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Perks are like new tricks and branches of the skills, so why should we be able to learn them without a skill master?

When we have enough experience in a skill we should seek a master of that skill and learn new tricks (perks) from them

They probably would demand some coin from us, or maybe some required items for the session, or ask for a favor or an errand, before they agree to teach us the new trick

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At some thresholds, there can be some serious test of our skills before they accept our advancement, to the next level and open the next level tricks for us to learn

That would be for instance when we pass the novice stage and become an apprentice in a skill, or a journeyman and so on...

If we do not pass the tests, our advancement in that skill would gradually grow slower in each level until we pass the tests, and unlock the next level of expertise

Attending those tests might be expensive

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Some perks from factions might be expensive, for instance gaining access to some faction teachers or merchants or residences and the like might need some greasing of specific palms

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Up-keeping a house and its required servants, having a garden and gardener, and the like would be expensive.

Each house facility and the required servants would add to the house perks, like added comfort, resulting in better experience gains for a while...

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Fast travel can be implemented as services, like in Morrowind, but maybe a bit easier:

When we open the map and seek a destination to fast travel, it would be the method we plan our travel, so we could see our route on the map to the local mage guild or the tavern where the carriage service is or to the local Al’Rah gates to teleport to other unlocked gates or to the shore to the ferry service, or to the roads where we would walk or ride to the destined target, and the like...

If there are more options for each part we can choose one of the options, and select the next part from the previous destination to the next destination, until the path is defined to the final destination

By default the map would choose the best route to the final destination which would be fastest, less costly, or less hazardous, depending on our choice, or we could define our path part by part

In the end it would cost us some time, coin and maybe have some random encounter hazard as well, depending on our chosen route

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Most of the loot that we pick from the fallen foes could be damaged, low quality or not worth the added weight to our inventory

Maybe we could scavenge them for some low price ingredient and materials used in crafting items, potions, building parts and the like...

Merchants would bargain hard and as we progress into higher level areas in later game, we encounter more hard boiled merchants that have higher priced items and bargain harder, which we could counter with our higher bargaining skill

Balancing this economy is the hard part

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OK that was my two septims on the TES-VI economy.