I can see there are those who like the 3.x money/wealth system, and those who don't. I don't think I'm going to change anyone's mind here with my post, but I'll say my piece FWIW.
I want a system where gold can be spent on pretty much anything execpt straight-up mechanical benefits. If the system designers are assuming that a 20th level Fighter has a BAB of +25, just give him a BAB of +25. Don't give him +20 and assume he's got a +5 longsword. That vastly narrows the types of campaigns that can be played.
In a system where gold (beyond basic equipment purchases) cannot be used for in-combat advantages, you have a lot more creative space for the types of PC's you play. As a simple for instance, it would be really hard to play a Sherwood Forest campaign using 3.x. You couldn't give the Sheriff's money to the poor without gimping yourself; and spending all that money on a +3 longbow sure isn't charitable.
I hope 4e goes this route. That would mean that, out of the box, it could support:
- pre-3e Forgotten Realms
- Dark Sun
- Dragonlance
- Any campaign where someone actually wears a Hat of Disguise or a Cloak of the Bat.
- Sherwood Forest (any "Noble bandit" campaign)
- An Arthurian Quest (Paladins only, please)
- A quest to establish a new point of light (needs money for the defenses) / Birthright
- A more Conan-esque quest
- &c.
It would not support Eberron as-is. That's one of the reason I am worried it won't fully go my way, since I see that Eberron and post-3e Forgotten Realms (with its Thayvian Magic-Marts) are going to be the primarily supported settings.
In full disclosure, I am currently playing in an Iron Heroes campaign because I wanted to play in pre-3e Forgoten Realms, and D&D 3x doesn't really support that. Iron Heroes (with some house rules) does.
I also realize that if I get the 4e I want, some of you are going to be disappointed. Oh well. Can't please everyone all of the time ...