Why are you respeccing constantly? There's no need for that at all. Just pick one civil ability for each character and stick with it, and there is no need for respecs. I ran a Thievery/Persuasion/Barter/ Loremaster party, I only really stole from people I was going to kill anyway, but even that gave me far more gold than I knew what to do with.

Sure level 9-11 was tight on resources, but it was workable.