i think actually building cities and towns would be money drainage, also what about having to "rent" a horse untill you actually buy or build a stable,also more land plots where you can build whatyever you like,it would drai loads even for the richest investor

Uh... no. Especially not in Oblivion. What a ridiculous concept!

what in your opinion is Negative about that idea?

I loved having tons of gold, but that's because I'm greedy.
I think the overall experience would have been better if gold was waaaaaaaay more difficult to build up. I don't know how you'd "fix" this; just make the average common guard's gear a lot less in value, versus the "good stuff" for sale. That way you'd have to kill tons of guards (if that's what you're into) to save up for your wish list. Make the high value stuff extremely difficult to find. Abolish leveled lists that put everyone in glass and daedric armor. Merchants have fixed items for sale, so it gives you something to save up your money for.

You've got a good point about the Oblivion merchants not paying full price for your items unlike Creeper and the mudcrab (if you actually found them), but at the same time past a certain level every hostile NPC one comes across has expensive items one can easily obtain and sell for a merchant's max price (which is still a decent amount). At least in Morrowind you generally only found unique items in out-of-the-way places; not every lowlife you come across is wielding extravagant equipment.

I think a mix of not having merchant's that pay full price (like Oblivion) mixed with keeping unique items unique (like Morrowind) and not on everyone will be a big part in making money harder to come by. Obviously adding more things to purchase will help as well,and this won't completely stop people from obtaining huge sums of money, but I think just by making items harder to obtain makes the items more special and the game a tad harder. It doesn't matter what Bethesda does though, once players learn the ropes of the games it won't stop anyone from being extremely rich if they really wanted to be.

We are successful explorers/treasure hunters in game and we are supposed to be wealthy, but I do think having hundreds of thousands of gold is a bit much.

Theres always stuff to spend it on, its just, at one point, you stop needing the majority of it because of all the loot you find in dungeons.

Take out the leveled gear and it's pretty good. More luxurious items would be great too.

I don't think it's good to change the system completely. You have to make the first hours and playthroughs enjoyable, not to focus on preventing "glitches" only people who play it a lot will learn and tell to others. You can be very poor in Oblivion if you don't know things. Loot multiple ironish armors, arrows and weapons just to buy a steel sword.

I think that if we want to improve the gold problem, we should increase prices in stores, and reduce the amount of items worth a lot of money. Also, I would like to have a hunger and thirst option, therefore it would add realism and you'd have to spend money on more things.

I guess there is too much gold, I have tons of gold and gold can easily be earned faster than it can be spent.
It would appear most of the good items aren't for sale.

But don't people like to have tons of gold?
Perhaps they should put a larger variety of expensive goods for sale, and give the players more reason to buy stuff.

It wasn't the amount of gold that was a problem, to my mind. It was that there were increasingly few things to spend it on. MUCH more of the ingame real estate should have been available for purchase. The expense of the magic, however, was flawed I think. Whether or not you can create a spell once you belong to the university, and certainly once you are archmage and have your own spell making alter. . . just why the hell would it require gold septims in order to tweak a lightning bolt. Either I don't have the skills requisite, or I do. I am not paying to have it taught to me. . . I am inventing the damn thing.

As others have said, the problem isn't exactly that there is too much gold (I still voted that there is too much gold and something should be done), but rather that there isn't enough to spend it on. why is it that repairing my whole set of armor is so cheap? Why do houses only cost 10,000 gold? Shouldn't they cost a ton more than that?

seems like as soon as good armor pops up u can sell it and have millions of gold

i think oblivion did alot to fix the 'problem'. seems like gold comes and goes at a fairly even pace through the levels, especially if you get some higher level weapons and armor relatively early. (for repairs take money)

In morrowind unique items were easy to come by. For instance just walk up to a daedric shrine, slay every daedra there and pawn all their daedric weapons to the mudcrab and your instantly wealthy, also daedric shrines are easy to come by. I like what they did with fallout how the merchant only had a certain amount of money and once you sold your gear to them the merchant was broke until you bought something even though this was in morrowind aswell but the merchant respawned his or her money in a day, in fallout they remain broke. I think for next game merchants should be able to run out of gold, more things to purchase, less unique items, and one or two merchants that only have about 4 or 5k at the most.

Daedric Armor through Morrowind and Oblivion

Morrowind: I just got a full suit of Daedric, I killed a level 65 wizard, and got the ONLY FULL suit of daedric armor in the game!
Oblivion: Yay im level 20 and have thousands of suits of Daedric Armor from from BANDITS and MARAUDERS!!!

In Morrowind, the GOOD armor was rare...and making money required knowing glitches or ways to make money...
In Oblivion, the GOOD armor is EVERYWHERE at level 20+, and making money just required killing bandits over and over...

The amount of gold in the Elder Scrolls is ridiculous. First off, gold should be much harder to get. Second, you should have a reason to use money. I hate that you're able to gain all the money in the world, and not have it mean anything. Give us a reason or push us to spend it on something important or prospective.

Exactly. Every post I see saying money is too easy to get in Morrowind I see they have played the game multiple times. Something first timers and many other people don't know. As if everyone could loot a daedric shrine with new character. If you want to use glitches or expert info to get rich, then do it. Don't complain about it.

At first I was very poor in Oblivion. Had to loot multiple iron armors just to get a steel sword. Imagine if I had to do that to pay 10 000 to repair Daedric armor, it would literally take forever. Thing is that the game pretty much reset everytime I reached certain level. Better stuff, more money. Steel suddenly became Dwarwen and then Daedric. That shouldn't happen.

Problem in Morrowind was that there was nothing luxurious to spend it on. I slowly got more money but all I could do was to manage my gear.
Problem in Oblivion is the leveled gear. Collecting 20 000 for a house would have been a job if there hadn't been glass and daedric armor everywhere.
Adding first and removing the 2nd is perfect system to try in the next game.

Money Sinks - Houses (Each house should cost a minimum of 100,000 gold, 1,000,000 for rosethorn and arborwatch, the only exception being the imperial city shack which should be 25,000, each house upgrade should be 500g. Boats...travel across Bravil to Anvil for free (Assuming we make fast travel expensive for continental service like 500 gold), 100,000 gold. Horses, should be much faster and have a minimal cost of 10,000 gold. Daedric Armor, should VERY RARELY show up on armorsmiths who will sell it for 100,000 gold a piece. Glass would be 95,000. Potions would be a rare commodity and sell for a minimal of 1,000 gold a potion.

Money Makers - Hunting high level bosses with unique names that only respawn ONCE PER INGAME YEAR... Arch-Lich, Ascended Conjuror, Dagon's Champion... They could drop Daedric or Glass, carry over 10,000 gold, and have a very nice enchanted item... Killing bandits for bounties... Hunting Skooma Dealers... Joining guilds...

Yes, I hope in the next TES the fix the economy a bit. Maybe have a couple small huts for lower prices(Still more costly than 1,000. Maybe around 5-10,000g) and then the bigger houses raise in cost quite a bit. Also, make more very expensive items to make us aim for. That way when we actually make that amount of gold and buy it, we aren't as rich anymore.

At least something along the lines of improving the economy. It would also be nice if they were to add unbalanced economy throughout the province. Maybe in the higher class places and populated places have the economy pretty decent, but in the lower populated, poor, barely living places make the economy a bit worse.

Well, the current economic climate has hit us all hard.

Having local scrips would help the problem, and then they could make the septims more valuable. They should also have lesser denominations of imperial currency, like a Pelagius or a Cephorus coin. This will balance out the values of items as well, so not everything will be worth just a couple gold.

Definitely change the gold amounts. I had 10k at level 3 in Oblivion.

Agree with Shades here, perhaps we could have coins worth less. Like a silver "Talos" could be worth half a Septim. And a bronze "Divine" could be worth a quarter of a Septim, and half of a "Talos".

Speaking from my Morrowind experience, I think the gold comes out to being just right. Early in the game, you are scraping for every piece. Once you get a little bit higher of a level and a little further along, you start to have more gold than you know what to do with.

In OB, I recall it being similar. Haven't played it as recently, but iirc, it just takes you a little longer to hit that "I have so much I don't know what to do with it" point, but it's still there.

If anything, I'd try to find a way to give the player things to spend that mass amount of gold on late in the game. Really jack up the price of training for really high levels, like the master trainers for instance. Maybe put a place in the game where one can have custom armor crafted, sort of like the Craftmen's Hall in Mounhold, only maybe let the player actually customize it for a great price. Give them different options and designs for different pieces of the armor. I think that'd be neat. And maybe because the armor is "custom," it can provide even better protection than a random piece of it's equivalent you find in loot somewhere or buy at a regular shop.

Money would be OK if it was scaled right. In Morrowind/Oblivion it seemed like, just for compairson, one septim = one $ or so. That however leaves the problem that there's no smaller prices making them look quite overblown for some items, why should a single tomato be worth that much.

Maybe the should scale it that 1 septim = 1 cent instead, they wouldn't even have to add more money that way, you got that much anyway. That way you could scale prices a lot more realistically. If money would have weight again and there where banks in the game you could easily deposit your cash there, also having different coins could help:

Copper septim = 1 cent - 0.005 WU (weight units)
Silver septim = 100 cents/1$ - 0.020 WU
Gold septim = 100$ - 0.050 WU

And maybe even higher:
Gold bar septim (rectangular coin) = 10.000$ - 0.250 WU

While that means yo ucan carry a fortune around in gold bar septims it wont be that much use since barely anyone has enough money to trade with that.

I have this mod for oblivion were it evens out all the amazing armor problem. What it does is bandits only wear fur and chain, while marauders only were steel and iron. Thus making all other armors rare and accessible only through purchasing or looting dungeons.