Um, I don't know what game you are playing, but it isn't 5e. The 5e I play has more than charisma checks for non-combat. It also has strength, dexterity, constitution, wisdom, and intelligence. Unlike combat, which is much more limited, there are millions of things you can do with all of your stats for non-combat checks.
I play the same game as you, I am only consioucs about what parts of the game are covered by the rules and what parts I had to make up because D&D doesn't cover them or where I even had to work around D&D instead of attributing my houserules to the D&D system.
Again, see the Oberoni Fallacy. Just because you can houserule it doesnt change that it is broken, or in this case missing.
Attribute checks have a lot of downsides, for example that they are extremely broad and D&D offers nearly no ability to specialize or even to build a primarily social character. They are just a tiny step above coin flip resolution mechanics.
Except 24 pages of races with tons of non-combat stuff, 20 pages in the personality and backgrounds section, 17 pages in the ability scores and adventuring section, and dozens of non-combat spells, all in the PHB. And then most of the DMG.
Most of it is high level description or dual use stuff. What is missing are any rules or guidelines (apart from attribute checks) for basically living a non adventurer live and moving within society which also includes uses for money. And for non other tasks you only have a very basic tool system, most with an adventurer bend.
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Why would you want the game to tell you what your barbarian has to do during the day? As a player, I want to have control over what my PC does. Maybe I go to the bar. While I'm there I get into a non-combat strength ability check to arm wrestle. Then I engage a non-combat dexterity check to play darts. Perhaps I engage a charisma ability check to hit on the barmaid, and then perform a non-combat dex check to avoid the slap. He likes to drink, so a non-combat con check to avoid getting drunk is probably in order. Later, I question the bartender about our quest with a non-combat charisma check, and consider his information with a non-combat intelligence check to see what else I know about what he revealed. And much, much more. And that's just at the bar. There's a whole city full of non-combat goodness for my barbarian to engage during the day. Much more than the limited combat bar fight he had before leaving.
[/quote]Not a day in the life of
your barbarian, but
a barbarian. And what it does? It gives some impression how non adventuring live in a D&D settings looks like and how barbarians (or if that is too specific for you make it for backgrounds instead) looks like when they are not out dungeon crawling.
And your bar examples highlight several issues D&D has. What, for example, if your barbarian is a professional gambler? Because everything non combat related gets reduced to ability checks being a professional gambler automatically means being sneaky or good at medicine (depending on you using Dex or Wis). Knowledge and skill hardly exists for non combat tasks and it is all about your apitude. You are either born to be good at something non combat related or you are not. But you can never learn it. Coupled with the way classes work it results in a caste system variant where your combat class determines what non combat things you can and can't do because of the ability score distribution and profiencies. And good look trying to build a face type of character which eshews combat power for social skill.
Open your mind and engage some creativity. The game provides you with all the tools you need to engage in far more than just dungeon crawls. If you don't want to be creative, buy a setting.
You must be pretty unimagitive then when you need D&D books and dice to play. Millions of children manage to play cowboys & indians without them...
Again, Oberoni Fallacy. Just because you can invent stuff to cover the shortcomings of D&D doesnt mean those shortcomings don't exist. Not even setting books give an actual insight of how live in that setting actually works.
Someone above said you should build castles etc. with your money. Okay, so what does that mean? What are the responsibilities as a noble, how does feudalism work and what challenges do nobles face? No D&D book gives an answer to that, including setting books. As far as the system cares you write "castle" on your character sheet and thats it.
And that includes gold. Its just more noticeable for many people as it got downgraded to being unimportant rather recently and used to be a pretty important for adventurers.
Thats why you see threads about uses for gold and not generally about the non combat aspects of RPGs. But imo the underlying issue is the same.