Maybe for you, but not for everyone, because not everyone plays the same and not everyone likes to play pretend. And quite frankly, the vast majority of people that play RPGs these days don't literally role play to the letter. There is no ideal manner in how a RPG should be played.
However, RPGs should be well designed and should be able to acknowledge your player character, both in their strengths and weaknesses to create balance in the game. Offering choices and consequences to how your character is built. If the game is not properly designed to acknowledge that, then there is a lack of balance and that is poor design for a RPG. It makes it meaningless in how you build your character if there is no balance, and building a player character is an important aspect for a RPG. Sure, you can pretend it's not there by limiting yourself and pretending your character can and can't do this and that, but the fact remains that your character is still able to do all of those things regardless of how you delude yourself.
The player shouldn't have to do that and come up with excuses for it in the game by having to limit themselves in order to make the game challenging, the game should be complex and have enough depth to do it itself, whether the player is role playing or not.
With that, the same should be applied to how the game world works as well. It shouldn't be that easy to accumulate money, and pretending your character is this or that should not be as excuse for such.