To me they are most decidedly a cheat...
Now a days i usually use the console to give me enough gold to fully equip one of the dlc homes whenever i start a new character.
Uhm?
Anyway, I sort of wonder what difference it makes to have 50.000 or 500.000 gold in the game? Money is only of strategic importance in the beginning of the game - after that you tend to swim in money no matter what you do as there's not so much you can spend it on. I only spend money on Frostcrag upgrades, Spells and Enchantments. And Vilja, of course... So if seen as cheating regarding this, it doesn't make much difference past the first couple of levels as you have enough money for what's necessary with or without a filled Bag of Holding.
But then I'm combat oriented, so it's basically combat I'm focused on to have as free of cheats or cheap tricks as possible.