Yeah they really need to recast 'monsy' as 'plot resources' and put them in a meaningful context.
So yeah, during heroic tier, you get paid, you buy horses, you bribe a dude, maybe charter a ship, and none of it IMO should interfere with how good your magic sword is.
Then you get to paragon tier and things get bigger. It isn't even that contrived to imagine that because of the semifeudal structure of the land, if you want to say, own or build a castle, or purchase a large amout of land, or form an army, that is simply not stuff you're going to be able to do by saving up lots of copper, silver, or even gold coins. I would argue that even in modern times, money alone doesn't get you real power, and back in old timey medievil days or a 'points of light' 4e setting, that's doubly so.
That takes something more impressive, like a boon from a powerful noble, church, or creature- and such a boon might not even have to be a favour, it could represent a lost prince reclaiming his birthright, or a charismatic folk hero forming an army from peasant volunteers. A party might only have a few boons 'saved up' at any one time, which makes each of them special- they could be general use, or focused on certain areas or concepts(or vary on a boon by boon basis). The point is to recognise that it's on a different scale, and to make those kinds of decisions meaingful, but also manageable.
On the other hand, still at paragon, if you really want to talk about treasure, you're not talking about a treasure parcel- you're talking about a Treasure Hoard. A huge, ridiculous pile of gold coins that a dragon sleeps on, or the pillage of the private art gallery of a rich decadent noble, or maybe the party just strikes gold in an old dwarvern mine. Again, it's not even really a contrivance to say that if a bunch of heroes came out of the Flaming Cave of the Red Dragon with donkey-carts full of gold, they'd have a hard time spending it like they did the sack full of silver they took of a dead orc one time. A hoard is the kind of thing you bribe a dragon with, or use to fund the construction of a mighty fortress, or use to pay your way into nobility by purchasing the support of your new peers.
Then, at epic,




gets crazy. Why are people trading astral diamonds and stuff? Sure, once in a blue moon that might make sense, but deep down we all know that epic level characters should not be doing epic level fedex quests to get epic level loot drops so they can buy




in an epic level marketplace. They can still have coin, boons and hordes from earlier tiers, but the resource of choice of epic pcs should be PURE UNADULTERATED POWER, of the kind that gods, demon lords, and archmages thrive on. Do you think bahamut has a purse? No, he has power. Do you think Ioun buys books? No, they deal in pure streams of knowlege that would literally blow the mind of a mortal creature exposed to them.
Whatever this stuff would be, let's just call it power for now, it would be the thing you spend when doing all the really crazy campaign stuff that epic level charactrs do. Want to create your own pocket dimension? It takes power- not gold, not astral diamonds: power. Want to resurect a massive crypt full of ancient paladins so they can fight in the final war against darkness? That takes power.
Where do you get power? You get it from doing epic things. Maybe people begin to worship you as a god. You can draw it from the other powerful beings you destroy. It can be siezed from various sources like ancient mysteries and elemental vortexes- in other words, jsut like all treasure, the GM puts it in the story how they want, and the PCs go after it how they want.
So anyway yeah the idea would be to A)sever it from magic items, partially or completly, and B)render it into tier-based characterful fo
rms that the players can use to do cool plotty stuff in the game.