National Acrobat said:
I never have and never will. It's just me and my style, and I am very up front with it when starting a new game or group. However I've noticed that with the advent of 3E, a few of my players are very adamant that the rules indicate that they are allowed to purchase magic items.
The first thing to keep in mind is that 3e is the first edition of DnD to IIRC take "wealth" into account into its "balance" system. PCs at level X are expected to have a certain amount of wealth and that is factored into the balance estimates.
By "wealth" the system doesn't think bags of coins or sacks of Gms but "useful items of value x". After a very short time, magic items = wealth since the mundane items are no longer that expensive.
Now, most of the actual loot one gets by the usual tables is in coins and gems and art and such, and the system does EXPECT as part of its balance equation that this will be cashed in more or less for useful items. Whether this is easy or difficult, quick or slow is up to you but the presumption is "it happens".
In the DMg they give guidelines for city size and item availability as a handle on this.
Given this, its perfectly reasonable for some player to figure thats expected and an important part of things. if they see the encounters you provide as more difficult than they think they ought to be, and you keep a tighter rein on item purchase so that a lot of their "wealth" stays in "useless coin and gem" form, they might get the notion that "we got less useful stuff than is expected" and "the scenarios are harder than they should be" are linked.
Numerous examples of WOTC and other products listing specifically "EL lowered due to the adversary being less equipped" probably add to this.
Now, of course, "you cannot buy items" and "you have less than expected useful gear" do not follow hand in hand. In your game because they cannot buy items, you may be adjusting your loot lists to account, giving more useful items and less coin and gem. You may be having NPCs giving "payment" and "rewards" for services rendered in useful items rather than sacks of useless coins. There are certainly many ways you handle the "coins are not going to help you" expected-wealth-balance-cr thingy.