The reason money is so jealousy gaurded in Oblivion is because you can become rich at higher levels and then the game is broken. They sought to avoid that by making it harder to get throughout their system.
I think some new ideas about how to make the player be required to spend more money contributing to the world (you are the hero after all) need to be thought of and brought forward. Here are few of mine.
1. Guild Dues at higher levels should become pretty serious. But you should be able to learn or do something special for that responsibility too.
2. If you get a girlfriend and start a family in the game, you need to provde a house and the supplies to feed and maintain them. You should leave extra money in their account for when you won't be coming home for a while. They will draw out a percentage each week to spend, plus 20-50% more each week for random unpredicted problems occuring that require money (little Dovakhiin broke his arm, and had to go to the doctor...etc)
3. You can help to build a small town into a bigger town and help create a new economy, trade routes, and help establish /locate a unique product/mineral that gives that town a unique economical boon. You need to contribute some money each month toward establishing that.
4. You can go around to each village and pay them a little money to help build their infrastructure and keep their poor off the streets to reduce crime. If your money is successfully used to reduce crime (theiving or murdering for food etc...) then you earn some kind of a cool reward in game that makes you more powerful somehow.
5. Maybe you need to pay people to upgrade your home into a mansion, with greater and greater appearance, stonework, chandaliers, and all the good stuff ... statues, paintings, etc ... all at great cost.
6. Maybe you need to support your guild by buying whatever new rising star has joined the Guild a new set of armour. It's like a tradition. Someone also bought you one in the early levels of the game. Now it's your turn to give back. How much you donate to the armour, how cool it is, helps establish if you area greedy lord or a generous lord, and how much other people around Skyrim will help you in return (for free) because of that.
Those are only a few of my ideas, I'll write more later after work. Let me know some of yours in the meantime. How can we allow Bethesda to give us more money in the early levels and not worry about making us too rich to break the game?
What are your suggestions?