I'm confused why anyone ever tries to make sense of XP within the context of the world. As an in-world mechanic, it's utterly ludicrous and always has been. You have to study for years to become an apprentice wizard capable of casting 1st-level spells, but you can go from apprentice to archmage in a matter of months by slogging through dungeons? You can kill monsters to get better at skills that have nothing to do with combat? XP makes hit points look like a carefully-researched model of real-world trauma medicine.I'm honestly rather confused as to why people want this as an option. For starters, it doesn't really make a lot of sense in the context of the world.
XP is a metagame mechanic. Its purpose is not to model anything in the game world, but to incentivize player behavior with rewards and to hand out new toys on a schedule. The idea of XP for gold is for DMs who want a "tomb raider" campaign, where the PCs are focused on plundering treasure, and monsters are an obstacle to be circumvented rather than a goal to be sought out.
Edit: Just saw that this thread was recently necroed from 2014. Doesn't change my answer, but I guess it does reduce the odds of a reply.
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