As someone who plays a money-grubbing bastard and has had issues with games that have zero economy, I like the idea of a monetary system. (Of course, this is me showing my bias.) I'd just find that it's yet another point for character motivation, and motivation can be hard to find in a jamjar, especially if your character doesn't have a big group of friends whose issues they can feed off of. On top of that, I find the current credit system kind of confusing, especially in terms of doing stuff like having a character open a business, or what happens when one character wants to pay another for items or help or something.