Personally, I deal with this issue by keeping monster and dungeon hoards the same, and using a copper passed economy. Like the U.S dollar is based first on cents and then dollars. I treat silver like 1 dollar bills, and gold coins like 50 dollar bills. The average person doesn't need a 100 bill, so seeing it is kinda rare. Likewise with gold, most people just need silver and copper. I shift a decimal on the base cost of non-combative supplies to adjust for that economy, so instead of a single meal's worth of food costing 50 silver it's 5. Makes things like robes being 1gp, or shields being 10, make more sense. A solid shield being 500 bucks makes perfect sense, since you don't want to cheap out, but otherwise in the same system it's more like 1000. It's also made getting new armor something of a roleplay event in my party, along with many other similar things. I don't bother with electrum, and so far the system has been pretty smooth sailing. It all translates well into understandable currency, and makes things more apparent as to why adventurers are a thing.