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