Now, my pc is level 3. Gasp! Yes, I'm a pger, etc. So are a few others. Actually no, we just play a lot. I believe the standard is 100 xp an hour tops, so that's 30 hours. Yea, I think I've logged at least 60 or more in the past week. XP gain is fine for the most part, sure wish there could be more dms on, but that is being addressed.
Anyways, back to the loot. I'm at level 3. ALFA Interim(wow, been the interim for a long while) Wealth guidelines is for a level 3 pc:
...Level......Avg Wealth......Low End......High End........Warning Cutoff
......3..............3500...............1925...........5100..................6675
I'm way below the low end. And I'm not even asking for me or any pc to be pushed up there. All I'm asking is for stuff to drop or be in chests.
To cite some examples. Me and Magile's pc went into the High Hold Tomb, and found at the very least a CR5/6 undead giant zombie that pounded on us. We survived because GO TEAM CLERIC
nothing dropped. Course undead don't always drop stuff, but hell it had a weapon of some kind. Would have been nice to get that. Especially since our pcs won't in character touch any chests/crates inside a tomb.
Another example, myself, magile, project_deviant, and amar go north of quaervarr seeking to purge the forest of the taint of chaotic beasts. We kill some goblins, orcs, find a bunch of gnolls around a cave. Kill the gnolls, go inside, find more gnolls, PD goes down, and multiple potions are used by all to stay alive from the swarm of gnolls. We go on. We find a trapped door. We think wow, something might actually be of value behind it. We go through, kill some more gnolls. After about killing 30-40 various goblins, orcs and gnolls, going through a trap door, and seeing a sight like this:

Look at all... And not a thing we can pick up. Now I'm not asking for complete loyalty to what placeables show, but after all those gnolls killed, and probably 20 or so chests/crates/barrels peered into(with nothing in them) we ended up with a light mace, a rusty morningstar, and a rotted heavy shield. Giving us a total 26 gold total, 6 gold a piece.
Again, I'm not asking for much, but loots need to occur more often, if a monster is carrying a weapon, how about a 50% chance of it dropping? If I see it use a potion, well there should be a chance I can get a potion off of it or one of it's buddies.
I'm a cleric, we don't need potions much. But fighters and rogues and others certainly do. And you know eventually I might like to buy a set of full plate, with a portion of that gold I should have at level 3.
For final reiteration , I am not asking for immediate wealth adjustment for any pc, especially mine. I'd just like a chance to make some gold without having a dm on. And the one major dm quest I was on, didn't give me any. ((not bashing you darren cause you did great, just giving it as an example, and thanks indio for the dm awards I did get from your half orc assasin thing))
If someone abuses the system, punish them, not everyone else.