I got my 200K without mods easy enough. *shrugs* FO3 money is so easy to come by because you never have to really buy anything, I had some much loot I traded for practically all of a vendors useful inventory and caps and still had some left over to trade to the next guy. You get so much ammo, stimm's and gear thrown at you from practically the beginning it's ridiculous.
The enemies are harder to kill in FO3 but you would not know that because you probably used a mod to make it easy so that you did not have to actually try in the game. Plus you use more stimpacks because enemies actually take away heath in that game. I know it is tough for you to believe that because you just use mods. Plus I like to have fun in the game and not hitting all the spawn points over and over. I try t have some fun when I play my games and use some skill...
Also do you have COD and if you do do you use the Noob Tube or some hack or something?