I' don't like the idea that a job diverts you from the main quest. It should be a free choise to take a job or guild spot. Not forced out of gold shortage. A job can have rewards like gold or special armor and other benfits. But I don't like the idea of beeinge forced to do a job.
In oblivion for instance when you finish the dark brotherhood you get some sweet light armor.
Not in the mood for cheese? That excuse has more holes than a slice this fine Gorgombert!