The way they implemented the thing is what's ridiculous. Opening 100 chests in every area, to get like 200 gold, 6 potions and half a dozen gems, and maybe a club +1, is really silly. The boss chests (sometimes) make sense, but having so many random chests with minor "treasure" (my butt) trapped with some weird fire-ice-acid 100 points damage, and locked of course, is plain silly.
There is too much gold floating around in those games, I agree. But in BG things were more under control and since you had to equip a six-people part, it had it's point.
In NWN... it's just pointless. And they even don't give stock options for tha gold
