I wonder if part of the reason people don't seem to care for character rishes is that the game glosses over or completely ignores so much of the stuff happening outside "adventures." Not that this is entirely new with 5E, but I feel like 5E is sort of the "Marvel Cinematic Universe" version of D&D, both in that it is streamlined for a brad audience, and that it is far more interested in action than any other aspect of the stories it is trying to tell. Note that I am not saying this pejoratively. Both 5E and the MCU are wildly successful and great fun.
But money matters more in D&D, IMO and IME, when the players really inhabit the world their characters exist in, when the town isn't just a place to long rest and buy healing potions, when travel isn't just a single survival roll on the way to the next leg of the adventure, when NPCs are portrayed as individuals with their own existences outside the needs of the adventure. When the world is real and the PCs are part of it and the players feel immersed in it, players are more concerned about a lot of things, and one of those things is how their treasure can best be used. As we have stated in this thread a few times, a big part of this is the way "campaign" and "adventure" have become synonymous in 5E, as well as the immediacy of all that and the speed in in-game time with which PCs happen and events occur.