Very few people have the skills to use gold, so far old the BoS, Enclave and Institute seem to have the skill and equipment to do that. The energy weapons shop and maybe the Followers could in NV as well but I don't think it's much. Most electronics uses more common and easily aquired metals, the tiny performance improvement gold offers I don't see being of much value.
In previous history they had more culture and civilisation where gold became valuable at the same time bronze was valuable or purple dye. When there's very few wealthy people in the world I don't see why they'd go for gold, if anything basic charms and stuff made from local materials would be more common and made simply. Making jewelry takes time to develop the skills and tastes for it.
If we're going to see necklaces appear should start off with ones people could produce, like bottle caps on a string or empty bullet cases or maybe even Deathclaw teeth? lol