It kind of is, but it's a refreshing change from previous Fallout's in my opinion. I think it's easier because there isn't that much to buy. I've found everything that's been worth having so far and there are no houses to buy and furnish like in 3 and NV.
This time through I'm playing on Normal (I was on Very Easy). I beefed up Perception, Endurance, and Charisma. I'm at Level 35 and I still only have 2 Luck and 3 Agility and I'm at 50,630 Caps. I haven't bought anything other than some ammo when I was getting low and it turned out I didn't need it because I found more long before I got to the point of where I was before I bought it.
More so in this version than in prior versions, if you play smart you can get quite far ahead very early on. For example, pretty early on I acquired a full set of BoS T-60b Power Armor just by watching a battle between the BoS and a large group of Super Mutants from far away and waiting for them to kill each other off.
I also don't scavenge any weapons or armor to sell that isn't worth at least 25 caps. I don't get that much when I sell it because I haven't taken any vendor perks, but I don't end up with 20 cheap bolt pistols that weight 60 pounds and are only worth 12 caps.
My first time through on Very Easy I had maxed out Luck and I didn't have near this many caps and I was farther in the game. I think I was at Level 50 iirc. So I think it really depends on how you play and not so much the perks.