The familiar refrains (that I also chime in with):

• It's too easy to make money.
• There's nothing to spend money on.
• It's unrealistic to have a max gold cap per transaction but no cap on transactions.
• Merchants should have more money or there shouldn't be such expensive things.
• There's too many expensive but useless enchanted items to find.
• Clutter should be worth more! OR Clutter should be worth nothing!
• Etc.

TheNiceOne's Enhanced Economy has given us many ways to tackle most of these (and other complaints). It's ingenious. I use it. However...

Making the money I now need has now become a time-consuming chore! Please help me figure this out.

I have to go to every merchant in the IC Merchant District just to sell what I have. It takes a long time, and it happens frequently.

I need money for buying houses, house taxes, enchanting weapons, and buying arrows.

I have never had more than 50,000 septims at one time, and that was when I was saving up for a house.

Maybe I just need to reset the ini so that merchants have a whole bunch of gold and will buy anything, get rid of house taxes, make recharging cheaper, make houses cheaper, etc. That would make selling things faster and necessary less often.

Or is there a mod, call it Bag of Junk, that just converts everything you put into it into one commodity that is weightless and unusable, and shows up in a merchant dialogue as X units of junk for 100 septims per unit.

Any other ideas? I'm not a real stickler for realism, and I guess the realistic trudgery of making money is getting to me...

Game Economies are always broken. You never have enough in the beginning, and too much at the end. This is why I ignore them and just console in some money and use that. Then I don't have to worry about what I sell stuff for, at this point it is just inventory management. Because, really, that is the only reason to visit a merchant is to manage inventory.

Every economy mod I have tried (have not tried the one you are talking about) tends to make the economy more tedious. My method makes the economy work for me no matter how it is implemented.

Well . . I have a Proof of Concept mod that does some of what you want, although not exactly.

It is at the http://oblivion.nexusmods.com/mods/20878/?as one of my "Conceptuals":

Here is its description, so you dont have to go there :

==============================================
QQuix Conceptual - The Collector
December/2011 - V0.0-Beta
==================================

This mod is a personal mod of mine that may interest other players.
It is intended mostly to speed up things on your third or fourth run thru the game.
It has five main features:

1 - Automated loot: A hotkey to collect everything on the ground, dead bodies and containers and send them to a central deposit.
2 - Auto-sell: selected items are sold immediately for a fraction or their face value.
3 - A Collector's dream: keep one of each object collected so you may build a collection of every single object in the game.
4 - [Cleared]: automatically adds a [Cleared] tag to map markers and doors of cleared dungeons, caves, etc.
5 - Location registry - a book in your inventory with a list of all dungeons, caves etc that you have cleared and a list of all locations still to be cleared.

Different from the rest of the bunch, this is a fully working mod that may be used as is by regular players. It is 'hidden' here, disguised as a conceptual work, because I am not going to take requests for changes: as I said, it is a personal mod and it does exactly what I want and need. If a player wants it different, he is welcome to adjust it himself.

The mod is configurable thru an INI file.
Check the readme for more details.