Yeah, I'm fine with how it is. It's not like it was any different in the originals; scour all of the nashkel, or cloakwood mines, and aside from final chamber, you'd find: Absolutely nothing you want.
Good loot is fairly rare, as it should be. Junk isn't rare, as it should be. Currently one can steal all of a merchants' inventory, including his gold, so you're golden when it comes to money or somesuch, anyway.