You are off by orders of magnitude though. In past editions we all had PCs & players walking around with the GDP of empires in their back pocket. At the time that was ok because PCs regularly needed to spend those kinds of sums on improving gear & consumables.* Now in 5e PCs still walk around with coin purses filled with the GDP of nations & empires but literally don't need to spend it on anything at all let alone regularly. PCs aren't doing the equivalent of a celebrity tipping a waitress 10,000$. They are doing something much closer to dirty harry or
frank castle tipping
every two bit crook & informant 10,000,000$ like they are giving out handshakes. Because the PCs don't need to spend that on anything the act of giving out 10,000,000$ has zero opportunity cost beyond the eraser needed to change their coins. Even if the NPCs refuse there's no cost to the group if a second or third player jumps in with another insane sum. I could give out less (or no) gold & treasure sure, but giving out too little of that comes with
a high cost documented at least as early as the 2e dmg.
*among other things that varied from edition to edition