Herobizkit
Adventurer
I find that in most vanilla fantasy D&D games (ie the pseudo-European model where society hasn't progressed past the Medieval Era), the most valuable thing a regular person can be expected to buy with Gold is land and (possibly) the accompanying titles.
1e D&D accurately reflected this with their Stronghold rules baked-in with level progression.
5e does try and support "side projects" like running a business or a stronghold, but such projects are handled during Downtime - the time when adventurers aren't off being heroes.
Once the adventurers stop being heroes and settle down, their story is pretty much over. Mind, their stories don't _have_ to be (especially in games with lots of courtly intrigue, or perhaps guild intrigue like in Eberron)... but unless the protagonists of you story continue to be protagonists, there is little reason to continue their stories.
With piles and piles of Gold, you can't buy a stealth bomber to take out the enemy cult - they don't exist. Best you can hope for is to raise an army and slug it out. Hiring characters with PC class levels higher than your own is kind of cheating, but hey, if your DM lets you...
And yes, I get that "you're only limited by you and your DM's imaginations". My DM was not prepared when I came up with a plan to make a flying Airship - but I have one now, and it's both unique to the campaign world and awesome.
1e D&D accurately reflected this with their Stronghold rules baked-in with level progression.
5e does try and support "side projects" like running a business or a stronghold, but such projects are handled during Downtime - the time when adventurers aren't off being heroes.
Once the adventurers stop being heroes and settle down, their story is pretty much over. Mind, their stories don't _have_ to be (especially in games with lots of courtly intrigue, or perhaps guild intrigue like in Eberron)... but unless the protagonists of you story continue to be protagonists, there is little reason to continue their stories.
With piles and piles of Gold, you can't buy a stealth bomber to take out the enemy cult - they don't exist. Best you can hope for is to raise an army and slug it out. Hiring characters with PC class levels higher than your own is kind of cheating, but hey, if your DM lets you...
And yes, I get that "you're only limited by you and your DM's imaginations". My DM was not prepared when I came up with a plan to make a flying Airship - but I have one now, and it's both unique to the campaign world and awesome.