Maybe Renthar can shed some light on the situation in previous campaigns.
So for reference, the DM is more or less my best friend. This is part of the reason I want to be careful with this whole situation. I don't want something like this to mess with our friendship, but I would still like to enjoy the game.
Anyway, as a result, while we have gone through several campaigns our players have shifted in and out (Myself and a few others have stayed fairly constant). In terms of past campaigns what players do with their money ranges from decent to horrible. Sometimes we have people that buy useful items (better equipment, consumables that compliment their build), sometimes we have people who will spend their money on potions and consumables, and other time's we've had players who won't spend money at all (they just get it and hold onto it).
Most of the time though its the last two. Sometimes if they aren't spending their money its because they are saving for something but many times its because they just don't care to look through the item lists (either because they are intimidated by the sheer size, or because they are lazy).
The way we've done items in the past has varied. Initially we would get gold and treasure based off of loot rolls. Then we move on to a system where if we wanted to buy items we could but the less experienced players could have the DM help them with purchases. He then decided that a player could buy their own items if he deemed them experienced enough but if not he would just provide them with loot. And then finally we have arrived at the system that is the reason for this question.
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