Olaf the Stout
Hero
since the birth of D&D in 1973 and print in 1974 humans and everything else you encounter is a monster. only the PCs are not.
This here kids is the rare sighting of the dangerous beast known as diaglo!
I haven't seen you around here in ages!
Personally I agree with the comments about not sticking to the PC wealth by level. I don't think I've done it in my games, simply because it isn't much fun for players or GM's to try and keep track of the GP value of the stuff they own.