I get what you're saying, but such things are dictated by playstyle. I know a few people that don't cave dive that often, and as such do not "loot". They do not have hoards of gold available to them. Like most things, it's all about how the game is played. Sure, the potential is pretty high, and seems odd, but if the issue were reversed it would be even more criticized
the game has 3 main ways to make money and to be honest cave diving does not make that much.
1) Crafting is the top way to make money, at low level you can easily farm over 20k an hour if you are an enchanter
2) quests, doing quests for civs gives a good amount of gold at low levels it;s 500-600 most of the time and at high levels i get 15-2k most of the time
3) everything else, a mix of dungeon diving, random dragons, chests, gems, enchanted weapons... allows you to amass 5k gold within a few hours of leaving whiterun for the first time.
In oblivion money was not easy to get, in fact i hated how hard it was out get gold without cheating. I wish it had been easier i might have recharged my gear once in a while, but in skyrim money is amazingly easy to come by. I.e I go to a wannabe merchant they ask for a mammoth tusk, i walk outside kill a mammoth bring back a tusk and get 600gold. i go to the reach ask someone to ay off a smith i get 700 gold.
It's not that i do not like getting gold it's just that for how easy it is to get they really did not give us much to buy.
The one thing that makes me happy is that for once i can spend money on a healing potion without breaking the bank, but that's about all.
What the need to do is give us something useless/ semi useless to throw tones of money at like a forge for my house that costs 10k gold. or a skill trainer that allows you to buy perks or untrain in current perks for loads of money.