I think we get way too much stuff from loot.
Because you have easy access to skills you don't need to buy scrolls. And because you are powerful you don't need to buy potions. So you get no money sink in the game.
I always assumed that the purpose for scrolls was that they have the flat item use AP cost, whereas spells can potentially cost far higher AP. In addition to characters with no ranks being able to use scrolls.
Also I too found that I had more gold than I knew what to do with, because there was very little I needed to buy and rows of stuff to sell.
