I agree with you on every point you raised here!
There really is no economic system in D&D, you keep getting piles of loot and the only thing working against you being obscenely rich is that many high-end items cost an arm and a leg - and that's not any sort of economy, just a recognition that the PCs end up with more money than most Kings and making items cost ludicrously high amounts was the only thing they thought of to mitigate that.
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