My favourite exp system was the original Deus Ex.
You get exp for quests and exploration but not for killing enemies.
This helps to play the game as you want and it does not encourage you to kill everything just for some exp.
The money system cannot be taken from there.
Hacking ATMs and no selling is not an option.

Prof. Dr. Dr. Mad S. Tist

World leading expert of artificial stupidity.
Because there are too many people who work on artificial intelligence already