Of course the cart can not enter dungeons, so it will not be possible to loot 20 goblin shields from a dungeon without some serious running back and forth. But I don't think I would miss that.
I would miss it! I would like the opposite: The option to remove encumbrance so that I can carry all my loot!
I can understand why it can be fun to hoard stuff and maximize the amount of gold on your savings account. It is basic human psychology. But on the other hand, dealing with limitations, serious setbacks and difficult choices can also be very rewarding in a computer game. The bigger the losses you sometimes have to take (for example: not being able to drag heavy valuables out of a dungeon before it collapses), the more rewarding your successes will feel. That's also basic human psychology, I think.
I have fond memories of playing XCOM games in iron man mode, where party members would remain dead if they died and you had no option to load a saved game to bring them back to life. Those setbacks and defeats really hurt, but made the victory in the end all the sweeter, and the experience more memorable.
