While I appreciate the concept, an Adventurer (in my eyes) tends to live a more nomadic life. Sure there are expenses - room and meals at the inn, taking care of your horse, buying new clothes. Why would we assume the characters have any life other than killing dragons and moving from town to town? Property is hard to come by in feudal nations. Yeah, you can get married, then leave your wife for six months at a time. Odd that your children have green eyes. You can run a shop, but you're likely to lose money if you're not there to manage, so why bother? Unless it's just a constant goblin grind and you're back at home before bedtime.
The only thing I can see spending loot on is making the adventuring lifestyle more luxurious. Hiring cooks, servants, guards, grooms, buying wagons and extra horses, banners and trumpets don't come cheap. Not that it makes sense that anyone should be gallivanting around the known world with their massive treasure hoard in tow, let alone four somebodys.