This is what happens when you stupidly rush through the game without thinking or stopping to explore or ANYTHING. You don't even notice that trainers/blacksmiths/librarys/keeps/towers/inns/stables/alchemists/potionmasters/etc are ALREADY IN THE GAME!
Yes, they are in the game, but what you do with them ? Train 20 points in Alchemy and then what ? make 200 potions of Healing ? but hay lets see, you have your heal spell, you dont need the potions. So basically who needs potions, i know i dont need them.
Blacksmiths, yes, very nice they repair my armor, or i could just use my smith hammer and repair them myself.
Librarys, yes find some scrolls and talk with NPCs to get some locations in the map (or you could just explore and run in the wilderness and find places way faster then getting bored in a library that really does not offer anything else)
Keeps, usually has NPC lords wanting to give you quest X, when the quests are done its pretty much done, its the end. Even if you kill them and the guards and all the citizens, you cant claim the keep or sell it or anything.
Towers, Some garrisons or hostile NPC mobs residing in towers, basicly you find better trainers or just kill a mob x 20 times and its clear and nothing more
Inns, yes a inn, i know there is many of them, but can you kill the owners/residents and start keeping your own inn ? can kill but,no you cant start your own inn, so basicly you buy stuff from there / or sleep / or get optional quests (atm nothing special in them, so irrelevant)
Stables, to buy a horse (or find 20 of them around the world if you explore)
Alchemists, trainers, sellers of potions ( pretty much not needed in game, your own spells work just fine )
Potionmasters, might be same as alchemists, basicly was thinking about a NPC special merchant that would sell much more powerfull potions (rare)(not doable by player) that one could use when you are in deep trouble (actually a reason to use potions and use money to them)
Pretty much minimal usage on em, agree the Magetower questline was good, the Assassin faction questline was cool, i enjoyed the Arena the most (exept when the gate bugged 99% the time). Was bored about the thief faction quests, pretty much run around fast, do 1 or 2 things and back and use the wait command and then go go go run run run.
Easy, too fast, and when a questline is done its pretty much happyface NPC with the same speech everytime you talk with him. Nothing wrong with it but its the same old same old.
So my point, that you actually missed, was to make a Player owned Faction that has needs on every aspect of the game, and player can fulfill those needs. The more you play the game, the more friendly people you make in the world. If you make a city or town or village yber friendly, you could get constant stream of random generated NPCs on your faction and then there would be increasing needs to your faction and you could direct them to attack dungeon A - Z or even gather resources you want, or secure or patrol a certain area, or trade stuff for gold or the other way around.
So there would actually be a need for the gold and items you gain from making quests. There actually is minimal need for gold and items, after 3-4 dungeons you are so packed in gold and items that next time you need something, you can just pick it up and discard the thing you replace.