ExploderWizard
Hero
But you still gain mountains of gold.
And the main way of spending that gold has been taken away.
What should you spend your gold on now?
What is all the gold FOR?
(For your answer please assume that you aren't interested in building a church, or donating to the orphans. You simply enjoy adventures and dungeons, and want options that increase your chances of survival.
I'm not saying it's wrong to donate to orphans. Just that not all players find that interesting. Especially players coming from, you know, the two previous editions and the last decade of the game...)
It is a comfort to know that you have enough money to live the lifestyle of the rich & shameless without ever needing to work again. That is something we can all relate to.
Also, money is an important resource in the campaign world (or it should be). Money can sometimes make the impossible possible. Lets say you have a dire situation in a distant place that requires heroes to go and resolve it. At the same time it is learned that there will soon be a vicious attack on the local area. Heroes who are filthy rich can use their wealth to hire The Flaming Fist mercenary company to defend the area while they go off and save the day in a faraway place.
A party with the wealth of many nations tied up in a few personal doodads they are carrying couldn't do that. They would have to choose who they would not be able to help. Wealth itself is a great resource.