Li Shenron
Legend
I know this doesn't directly answer your question, but my favourite approach:
1) "the PC are just like most people in the real world" i.e. they will spend their gold to improve their lifestyles
2) "the PC are just unlike most people in the real world" i.e. they will not even bother with picking up treasure
The two ideas can coexist, i.e. some PC might be in the first group and others in the second, or the same PC might be of the first group when young and of the second when older. But then from 1) they would probably buy themselves a house/keep/castle, horses and wagons, clothes and accessories, and/or hire servants/guards/teachers/performers (some even intimate companions), and/or expend in travels, entertainments, celebrations, businesses, etc. Case 2) simply means the PCs are beyond the lure of wealth, and value being heroes, becoming rulers, saving the country/world/multiverse, or they value knowledge, honor, ideals etc. more than wealth.
Honestly the only thing that bored me already is the circular idea of investing treasure into adventuring equipment that will help you find more treasure to invest in equipment to find more treasure to invest in equipment to find more treasure...... Removing the necessity of this in the 5e game was really a good move IMO.
1) "the PC are just like most people in the real world" i.e. they will spend their gold to improve their lifestyles
2) "the PC are just unlike most people in the real world" i.e. they will not even bother with picking up treasure
The two ideas can coexist, i.e. some PC might be in the first group and others in the second, or the same PC might be of the first group when young and of the second when older. But then from 1) they would probably buy themselves a house/keep/castle, horses and wagons, clothes and accessories, and/or hire servants/guards/teachers/performers (some even intimate companions), and/or expend in travels, entertainments, celebrations, businesses, etc. Case 2) simply means the PCs are beyond the lure of wealth, and value being heroes, becoming rulers, saving the country/world/multiverse, or they value knowledge, honor, ideals etc. more than wealth.
Honestly the only thing that bored me already is the circular idea of investing treasure into adventuring equipment that will help you find more treasure to invest in equipment to find more treasure to invest in equipment to find more treasure...... Removing the necessity of this in the 5e game was really a good move IMO.