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.