Investing heavily into Lucky Charm is a nice way to find nice random loot and balance economy somewhat (It's also the only way to make finding loot a little more interesting rather than having to constantly purchase new gear every level).
But that's exactly the problem with it. You should be finding random loot upgrades regularly as a general thing, not as a thing that only happens with heavy stat investment. It's a trap diablo 3 fell for when that came out, where once you hit max. level you had to stack 'magic find' stat from items and grind, grind, grind until you had good enough gear to progress into harder difficulty modes.
I also didn't find that it balanced the economy at all because, as I said, it's just barter but better. And even without ever touching barter you can acquire enough gold by the final act you'd have no idea what to do with it. Really, money problems in this game only exist in the first hour or so of Fort Joy. Unless you take thievery on character creation and just pickpocket the essential skillbooks / some items to get you started, which makes that a non-issue.
