along the same lines, why do monsters usually carry the items they drop either? but supposing they didnt, then it would be difficult to gain wealth. quests or the such would work, but it would become pretty tedious. maybe your trade could fetch you a steady source of income, but you would have to know what you were doing.
also, in a finite economy, the first x players to register would all receive some set amount of gold, but then every subsequent player would receive less and less gold until at some point there are enough people registered that no one would recieve gold upon starting a new character, which seems a bit harsh. you could make it such that you start with no gold or something, but then \"rich\" and \"very rich\" would have to be removed.
or maybe they should implement some way to counteract inflation, like if you die, some of the money you have simply vanishes, much the same way governments destroy some of their money to keep the value up.