However I say that's a large part of my playstyle. I'm a fan of all those "realism" mods in Oblivion including the weight one.
While they're not yet available for Skyrim I self impose those rules on myself. When I raid a dungeon I don't pick up and strip every piece of loot from the fallen. I leave 98% of it on the ground, only ever taking small pocket items and a few extra weapons.
I only carry what I actually could.
Now if I did strip the land of everything not nailed down money wouldn't be an issue, but that's not fun for me. I actually had to SAVE to buy that first house, took me an in-game week or so to do so. Then I had to furnish it! That was another few days. You guys may not find it fun but the sense of reward form actually working and saving for something makes it that much more valuable.
Unless loot changes considerable late game I don't see myself ever being able to afford those expensive homes. That is unless I get married and my wife contributes quite a bit
