I guess the only reason why Larian make a bloated a system is that they want to create money sink so resources would become more limited.
Perhaps, but after Fort Joy I always seemed to have enough money... even without stealing... to keep my gear up-to-level. I just HATED spending all of my time on vendor and inventory screens instead of enjoying the adventure.
While others enjoy looking through loot and wares. That said the stat inflation is a puzzler overall to me.