I'd say anyone who does not appreciate the skill lucky charm does not know how to use it to it's full potential
I somebody gets to the Teller of Secrets at level 1 or 3 the last thing he needs is even more loot, this decision actually means having reduced the difficulty to "cakewalk".
But in general loot is THAT generous that I am in my last playthrough advacing to the source temple with 600 K gold and nothing useful to spend on. Despite the fact that I constantly bought legendaries from the international trader and the undead trader at Hunters Edge for the last 5 party levels at least.
Lucky charm is not useless per se. It is useless in the given environment of the game, exactly like foodstuff.
Regards,
Thorsten
