I found it quite odd that each character had it's own gold anyways. I can't recall any other party based RPG that was this way.
I agree with shared gold.
That also reminds me how difficult it is to drag items to another person, unless I Just haven't found the simpler method yet. Have to drag item, go up click arrow, drop item. Repeat. If wanting to move a ton of items at once..very slow and tedious.