Caliburn101
Explorer
I disagree. And this ties into the "official" rules thing as well. I think that a large number of players play the APs and that the "default" or "official" way to play the game is to pick up an AP, create a party of characters, and play the AP. Once that's done, pick up another AP, create a new batch of characters, and play that one. This is further reinforced by the nature of the AL, with drop-ins for new "campaigns" you'll create a new character, and when you reach a certain point, or come to the next season's adventurers when you need a 1st level character again.
I am sure a large number of people do play the APs - but as the survey here made clear, most players run their own homebrew.
So it is logical to assume that they are not set in a campaign vacuum and that the homebrews in which they appear are suitably modified to fit the rules of that hand crafted game world.
Ergo - the money available and the other rewards will be in context with the pre-decided world norm, and so there will in such cases be no problem, as any Gm who went to the trouble to make an entire world isn't going to find a little adaptation of the gold and magical item rewards in an AP any work at all.
If someone is simply running APs as they come out, then that would best suit an episodic game with little continuity as the levels of the APs are not sequential, in which case, once again the rewards and money are of secondary importance. The gold and magical items they walk away with are essentially a physical expression of their glory as they ride off into the sunset.
I personally don't know anyone running APs as entirely self-contained adventures, including the one game I drop in on which is a 'canon' FR game. The majority of games don't run deep into high levels unless they are long term campaigns, and a GM running a long term campaign would be shooting themselves in the foot to allow a monty-haul to derail their campaign world.
I personally cannot see a version of the way APs are played which creates a problem for a game going forwards due to the levels of reward.
Maybe I'm wrong, but I am yet to see it play out that way.