Some people don't like companions, for various reasons.
Some people like to collect things, and not tally ingredients and requirements, that way they can just go to town crafting.
Some people like feeling prepared.
Playing on Very Hard + hardcoe can get expensive.
There are quite a few very expensive uses for caps: Implants can net you 20,000+, Good weapons can cost 5000+, good armor 5000+ and Good ammo can cost you hundreds of caps. Stimpaks are also 100 caps each now I think. So if you're playing from an old save where they were like 30 caps, try starting over.
Furthermore, if you ever want to see more than one ending you're going to have to start over, some people might not like exploring everything everywhere and getting rich again. They might want to take shortcuts to see quest changes or different endings. To that end, they'll need all the caps they can get.
What is the OP's point? I'm pretty sure he hates loading screens, and fast traveling meaning seeing a lot of them.
As you can see, it's not like his view of things isn't without any merit.
-Then... one question pops to mind:
Is he entitled to be able to get a load of caps/as many caps as the person who centers his toon around lugging around a maxxed weight? As the same person who has his toon meticulously search out and sells every last item he can?
I really do not see the merit unless you want to claim that because you bought the game you should start out with everything so you get the same gaming experience and feeling of "uber" as the person who puts in the effort? What would be the point of even trying to achieve that then?
Really... If you want that experience, find a mod that lets you start out as lvl 30 with maxxed out stats, all locations, and a oneshot-onekill minigun of imbaness with a weight of 0.1 and limitless ammo.
I would find that detrimental, even destructive to my gaming experience if it was an option in the Vanilla game. It would at best cheapen and at worst ridicule the game because it would take basically 20 minutes to finish the game from the word "go".