>>3683318
Etrian Odyssey games handle it well, but it pretty much only works because of how their shops work
>every monster drops materials of some sort, generally unique to that monster, like a tortoise will drop "Iron scales" or something
>iron scales sell for 48 currency, and once you sell one to the shop it unlocks Platemail which you can buy for 980 currency
Taken as a whole it solves a whole lot of itemisation issues
>shop is always relevant with current-level equipment
>money is always relevant because you're guaranteed to always be scrounging to buy [new thing] just from the price ratios
>monster drops are always relevant because they're how you unlock new items and accumulate enough money to actually buy things, and cheesing out a powerful monster early will always reward you with suitably powerful gear
>chests are useful because they can give you straight cash (which feels great) or consumables made from drops you don't have access to yet

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In-Game Economy