Once you've figured out how to make good money, you can buy almost everything. I don't have to work or wait for nothing....
...buying all spell books at once? check
...buying super expensive equipment just to disenchant them? check
...buying all houses? check
...smithing every armor, shield & sword available? check
...ignoring your Black Star because you can buy filled gems en masse? check
...offering 1 Septim to every bum out there? check
...still 100.000 in your pocket? double check!!
They should definately change that, it's a lot of motivation been taken away from the player....imo.
There a too many ways to make money, and smithing kills it completely. I Make 40.000g an hour with smithing.

How do you feel about that?
P.S.: my way of making gold is described on Thread Page 3!