Well honestly, aside from new dragon articles/what's possibly in MME, the only thing you can really buy with gp are magical items. So as soon as you say "You can't buy magical items", there's nothing you can really do with it.
And even if this changed so that there was lists and lists of mundane items you could spend your money on, that would mean jack once you hit a certain point because there's nothing truly expensive to use lots of treasure on. The total monetary treasure for a 15th level is 50,000gp. What can you spend that on if magic items are out?
So the system is sort of abstract in "Hey I want to buy a boat" "Uh... ok you do".
Also yes. It depends on the group. They may not know what to do with it. If your players are accountant/simulationist types (those who insist on listing every item in their pack, and get a calculator to split treasure to the copper), this will likely frustrate them.
And even if this changed so that there was lists and lists of mundane items you could spend your money on, that would mean jack once you hit a certain point because there's nothing truly expensive to use lots of treasure on. The total monetary treasure for a 15th level is 50,000gp. What can you spend that on if magic items are out?
So the system is sort of abstract in "Hey I want to buy a boat" "Uh... ok you do".
Also yes. It depends on the group. They may not know what to do with it. If your players are accountant/simulationist types (those who insist on listing every item in their pack, and get a calculator to split treasure to the copper), this will likely frustrate them.