That's it AGAPE, let it alllll out... There, isn't that better?
Seriously though, I do agree with you. A lot of items in the game range from redundant to utter crap. Weapons are my biggest peeve, since there's since there's next to no diversity once you've picked a type.
I don't really mind the traps though. Of course, I'm saying this as someone who mainly plays thieves. Traps are like the only reason to have thief skills in this game, all other obstacles can be defeated by other means. It's not like there's no way to beat traps if you don't play a thief though, you just have to be creative.
About money, I don't see what the big deal is. I don't know where it's said that you have to have enough money to buy everything in the game. I personally found that there is too -much- money floating around in NWN (and also in BGII, PS:T, etc.). There's little to no incentive to make/save money in this game. Hell, the one thing I actually liked about Diablo II was saving up money for something good and having to choose between that bone wand that lets me summon 3 extra skeletons, or upgrading my armor by 30 AC. And since when do you make money from getting them out of chest? It's always been about selling gear, people, and it's pretty much been that way for all RPGs.