I would like to see a "Cash Option" added to the game options menu.

The Cash option would remove items that aren't of your class/race type in terms of armor and weaponry and replace them with gold and gems of an appropriate and equal value.

For example:

If normally a wizard would get

Full Plate Armor +1
Quarterstaff +2
Cleric Spell Components
Gold
Gems

Instead it'd be

Quartertsaff +2
More Gold
Gems