For clarification, I would like the loot level to be low (which I guess D&D 5e is...haven't kept up). However, like the whole TB vs RTwP debate, I think there will be a divide on the loot issue; some like more, some like less. Unlike TB vs RTwP, though, which will be enormously difficult to accommodate both, I don't think it would take much effort at all to allow an option for both loot preferences. No reinventing of the wheel required there. It would end up having little more effect than another difficulty option (whether that means harder than default or easier than default).