Ok, first off, this is not about "PCs should get junk items and be happy with it", I fully believe PCs need access to full WBL in relevant gear. I just find the concept of a store or organization with the wealth needed to run a magic mart just sitting there and engaging in merchant work a bit hard to swallow. I find the though of magic item prices in general a bit... irritating.
Consider that the cash the paladin spends on his +5 could buy a small nation, why is he buying a sword rather than creating an example good utopia?
A magic mart where you can buy a +10 equivalent armor or weapon, heck, in bulk even, can buy a small planet. Why are they running a market stall?
A single first level dungeon crawl, heck, even hiding and looting the first room, will keep a commoner family fed for months. Why ain't more commoners risking their hides as adventurers?
In short, D&D economics in general has me scratching my head. I want players to have access to WBL equivalent gear while still having a believable economy.
So, I had some ideas I am tinkering with, maybe y'all can chime in with suggestions.
1: Eliminate the gold piece as the WBL standard. Instead, everyone has WBL in equivalent "points" to imbue non magical items with. These are abstract points, they can represent your normal length of chain being enchanted while in your hands because you are just that awesome or they can represent you using your magic to do it the old fashioned way. Either way, everyone can manifest magic items up to their manifestation limit (WBL). Now there are no salesmen with the ability to take over the world and the paladin has a reason to burn WBL on gear instead of utopias because it's just another class feature rather than independent something.
-this allows you to give NPCs enough gear to challenge PCs without ending with PCs having 30x WBL
-this allows the average joe to manifest some gear (not much, but some) and improve standard of living.
2: GP still exists, it is used to but non magical anything and for basic living expenses. The question is how much they should get. Or should I just take that out of manifestation points?
This is obviously for a non gritty high magic setting where just about everyone can just poof magic items into being . I just want a consistent reason for the D&D economy to work.
What effects will a system like this have on the game (if any)?